Who we are, why we built this, and exactly how we produce our calculators and guides.
Loggia System is a free, independent resource that helps people in the United States make clearer decisions about insurance and legal compensation. We build interactive calculators and plain-English guides that turn confusing topics — life insurance coverage, settlement estimates, workers' compensation, premiums — into numbers you can actually understand before you sign anything or accept an offer.
We are not an insurance company, a law firm, or a licensed financial advisor. We do not sell policies or collect leads to resell. Our only goal is to give you a clear, honest starting point so you can have a more informed conversation with a licensed professional.
Insurance and legal topics are deliberately complicated, and most of the information online is written by companies trying to sell you something. We wanted to build the opposite: a place where the math is transparent, the assumptions are stated openly, and nothing is hidden behind a quote form or a sales call. Every calculator on this site runs entirely in your browser — we never see or store the numbers you enter.
Our editorial process is built around accuracy and usefulness, not selling:
Our calculators use simplified but widely recognized methods — for example, the DIME framework for life insurance needs, the multiplier method for injury settlement ranges, and standard wage-replacement percentages for workers' compensation. These are designed to give you a realistic ballpark, not an exact quote. Real premiums, settlements, and benefits depend on many individual factors and are always determined by the relevant insurer, court, or authority.
Loggia System is supported by advertising, which lets us keep every tool and guide free. Advertising never influences our content: we do not let advertisers dictate what we write, and our calculators are not tuned to favor any company. The ads you see are served by third-party networks and are clearly distinguishable from our editorial content.
Everything on Loggia System is for general informational purposes only and does not constitute financial, legal, tax, or insurance advice. Our estimates can differ significantly from real-world outcomes. Before making any decision, consult a licensed insurance agent, attorney, or financial professional who can review your specific situation.
Questions, corrections, or feedback are always welcome. You can reach us through our contact page. We read every message and aim to respond within five business days.
Last updated: June 2026