Insurance and calculator disclosures

SilverBridge Life is not an insurance carrier and does not issue, underwrite, administer or pay claims on any policy. Coverage is issued by the insurance company named in the policy. The issuing insurer's terms, eligibility rules, underwriting requirements, exclusions and effective dates control.

The site is operated under the brand SilverBridge Life by Martin Advisory Group TX LLC. Exact legal entity usage, brand usage and required producer or agency license disclosures are on the owner launch checklist and require confirmation before publication. This site does not state a license number, a state license list, an agency appointment or nationwide availability, because those have not been verified for this build.

Life quotes and applications continue in the personalized InsureMeNow Direct / Paperless Solutions portal. Dental and vision pricing and enrollment continue on NCD's enrollment site. This site does not collect applications and cannot confirm that a quote, submission, approval or policy exists. Compensation arrangements, if any, do not determine how products are displayed or ranked here. No product on this site is ranked at all.

• Summaries are drawn from the supplied brochure documents: Bright (May 7, 2026), Elite (May 6, 2026), Value, Essentials and Complete (May 8, 2026), and the VSP summary (April 21, 2026).
• Percentages describe what the plan pays for eligible services. They are staged by benefit year, and first-year levels are shown first.
• Annual maximums are per person and represent a limit on insurer payment, not a cash account and not a patient out-of-pocket cap.
• NCD Complete's $100 deductible is a lifetime individual deductible, as stated in its benefit entry, not an annual deductible.
• Elite implant sublimits ($750 / $1,500 / $2,500) and Complete's $3,000 implant sublimit sit inside the annual maximum; they are not added on top.
• Routine cleanings and periodontal maintenance carry combined frequency limits.
• These brochures exclude orthodontia and do not advertise cosmetic whitening as covered.
• Benefits, waiting periods and availability differ by state. NY/CT use different versions for some plans, and Oregon requires a state-specific vision version.
• Summaries are not “live verified today.” Revision dates belong to the documents and are separate from this website's build date.

Dental plans use MetLife PDP Plus PPO in-network fee arrangements and a Maximum Allowable Charge basis out of network. Vision uses the VSP network. Equal printed percentages do not mean equal out-of-pocket cost. Provider participation can change and must be confirmed with the provider.

The calculator performs only the following arithmetic:

• resources = savings + existing personally owned coverage + (employment-based coverage, only when the toggle is on)
• base gross need = monthly support × 12 × support years + lump-sum debts + other one-time priorities
• base need = the greater of zero and (base gross need − resources)
• longer scenario = the greater of zero and (monthly support × 12 × (support years + extra support years) + debts + other priorities − resources)
• each scenario is rounded independently upward to the next $25,000; a zero result stays zero

The upper scenario simply adds the extra support years displayed on screen. It is not a statistically calculated confidence interval and not a prediction. Nothing is modeled for inflation, investment growth, taxes, discount rates or underwriting, and the calculator does not assume that savings or retirement assets should be spent.

Results are additional coverage planning estimates. They are not a total of insurance already owned, not a premium quote, not an underwriting decision and not individualized advice. A zero result means these particular inputs show no additional gap, not that no insurance is needed. Durations shown for comparison are planning choices, not a statement that any carrier offers that term at a given age.

No information entered into the calculator is transmitted, stored, logged or included in the enrollment links.

Term life insurance pays a death benefit only if the insured person dies during an active covered term, subject to the policy's terms. Approval, underwriting requirements, final premium, effective date and availability are determined by the insurer. Banner Life and Assurity are described as intended term-life paths, not as guaranteed offers, and no company is presented as the best option. No policy limits, financial-strength ratings, price examples or guaranteed no-exam underwriting are stated here, because none were verified for this build.

This site publishes no customer testimonials, review scores, star ratings, invented service areas or business-address structured data. The only organization identity used is the one supplied for this build.

Questions about these disclosures: silverbridgelife@gmail.com. See also Privacy and Terms.