Terms of Service

Last updated: April 5, 2026

Educational Purpose Only

VeraLeads provides free online calculators and educational content designed to help you understand potential gaps in your financial protection. All results, scores, and estimates are for educational and informational purposes only. They are not financial advice, insurance advice, tax advice, or legal advice.

Not an Application for Insurance

Using a VeraLifeScore calculator does not constitute an application for insurance, a request for a quote, or an offer of coverage. No insurance policy is bound, issued, or modified through the use of this website. Any coverage decisions require a separate application process with a licensed insurance carrier.

Accuracy of Results

Calculator results are estimates based on the information you provide and publicly available statistical data (including data from the Social Security Administration, Bureau of Labor Statistics, LIMRA, and the Insurance Information Institute). Actual insurance needs, premiums, and coverage availability may differ significantly based on your complete financial picture, health history, and the underwriting requirements of individual carriers.

AI-Generated Content

Portions of your personalized report may be generated using artificial intelligence. AI-generated content is clearly disclosed and is provided for educational purposes only. AI-generated content may contain inaccuracies and should not be relied upon as professional advice. Always consult a qualified professional before making financial decisions.

No Professional Relationship

Using VeraLeads does not create a client-agent, fiduciary, or professional relationship between you and Kerlan Lovell. A professional relationship is only established through a signed engagement or insurance application submitted to and accepted by an insurance carrier.

Limitation of Liability

VeraLeads, Kerlan Lovell, and affiliated parties are not liable for any damages, losses, or costs arising from your use of this website, reliance on calculator results, or decisions made based on information provided here. This website is provided "as is" without warranties of any kind, express or implied.

Data Sources

Our calculators incorporate data from public sources including but not limited to the Social Security Administration (SSA) actuarial life tables, Bureau of Labor Statistics (BLS) employment and wage data, LIMRA insurance coverage studies, the Insurance Information Institute (III), and Policygenius market surveys. We cite sources where applicable but do not guarantee the accuracy or timeliness of third-party data.

Communications Consent

By submitting a lead form on VeraLeads, you consent to receive up to 3 follow-up emails related to your calculator results. If you provide a phone number, you consent to receive a phone call from Kerlan Lovell at the time you selected. You may unsubscribe from emails at any time using the unsubscribe link provided in every email.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of the State of New York.

Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated date. Your continued use of VeraLeads after changes are posted constitutes acceptance of the updated terms.

Contact

Kerlan Lovell
Licensed Insurance Agent — NY License LA-1895059
Email: kerlan.lovell@nm.com
Phone: (518) 641-1623
Albany, NY 12205