It’s important to note that the HLV Calculator is a simplified estimation tool and does not take into account all the complexities of an individual’s financial situation. Factors such as investments, savings, inflation, and changes in income or expenses over time can impact an individual’s financial situation. Therefore, while the HLV Calculator can provide a useful starting point for life insurance and financial planning discussions, it should not be the sole basis for making financial decisions. It’s advisable to consult with a financial advisor or insurance professional to create a comprehensive financial plan that addresses an individual’s specific needs and circumstances.