Terms of Service
Effective date: September 19, 2026
Please read these terms before using CoverageGap. By using this site, you agree to them.
What this site is
CoverageGap provides a free, self-service calculator that estimates a possible gap between your income needs and your existing disability coverage, based on figures you enter yourself. It is an educational tool only.
Not financial, insurance, tax, or legal advice. CoverageGap is not an insurance agency, broker, or financial advisory firm. It does not sell insurance, collect applications, or provide personalized recommendations. The calculator's output is a general estimate based on simplified assumptions and the numbers you provide — it is not a substitute for advice from a licensed insurance agent, fee-only financial planner, accountant, or attorney who knows your full situation.
No guarantee of accuracy
We aim to keep the calculations and figures on this site accurate and current, but we make no warranty — express or implied — about the completeness, reliability, or accuracy of any result, statistic, or piece of content. Actual insurance products, premiums, tax treatment, and plan rules vary by insurer, employer, and state, and change over time.
Your responsibility
Any decision you make about buying, changing, or declining insurance coverage is yours alone. We are not liable for any loss or damage arising from your use of, or reliance on, this site or its calculator.
Intellectual property
The design, text, and code on this site belong to CoverageGap unless otherwise noted. You're welcome to link to this site; please don't republish or resell the calculator itself without permission.
External links
This site may link to third-party websites (for example, Google's ad-settings pages). We don't control and aren't responsible for the content or privacy practices of external sites.
Changes to these terms
We may update these terms occasionally. Continued use of the site after a change means you accept the updated terms.
Governing law
These terms are governed by the laws of Pakistan, without regard to conflict-of-law principles.
Contact
Questions about these terms? Contact us.