=== AdvisorSuite Insurance ===
Contributors: advisorsuite
Tags: calculator, insurance, life insurance, disability, critical illness
Requires at least: 6.0
Tested up to: 6.8
Requires PHP: 7.4
Stable tag: 1.0.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Seven insurance calculators for advisors: life needs (DIME), disability needs, term vs. permanent, critical illness, cash value growth, long-term care, and premium affordability.

== Description ==

AdvisorSuite Insurance adds seven interactive insurance calculators to your site, each available as a Gutenberg block ("AdvisorSuite Insurance Calculator") and as a shortcode:

* `[advisorsuite_insurance calculator="life"]` — life insurance needs via the DIME method (Debt, Income, Mortgage, Education)
* `[advisorsuite_insurance calculator="disability"]` — disability insurance needs with waiting-period cushion
* `[advisorsuite_insurance calculator="termperm"]` — term vs. permanent cost comparison ("buy term and invest the difference")
* `[advisorsuite_insurance calculator="critical"]` — critical illness coverage
* `[advisorsuite_insurance calculator="cashvalue"]` — whole/universal life cash value growth
* `[advisorsuite_insurance calculator="ltc"]` — long-term care cost projection
* `[advisorsuite_insurance calculator="affordability"]` — insurance premium affordability

Every calculator shows a live chart, works on mobile, defaults to CAD (visitors can switch currency), and displays the disclaimer: "For illustrative purposes only. Not insurance, investment, or tax advice. Actual premiums, benefits, and costs vary by insurer, age, health, and policy terms."

On the free tier every calculator computes in full, with a “Powered by AdvisorSuite Insurance” badge shown at the top of each one; saving inputs, CSV export, and PDF download are disabled. A one-time payment (via Stripe Checkout — no subscription) unlocks white-label mode — your own logo and brand colors, badge removed — and enables saving, CSV export, and PDF download.

All calculations run in the visitor's browser. The only external service contacted is Stripe, and only during the optional premium checkout/verification flow initiated from your site.

== Installation ==

1. Upload the plugin ZIP via Plugins → Add New → Upload Plugin, then activate it.
2. Add the "AdvisorSuite Insurance Calculator" block (or a shortcode) to any page.
3. Optional: configure Stripe under Settings → AdvisorSuite Insurance to sell the white-label unlock.

== Frequently Asked Questions ==

= Is the free tier limited? =
All seven calculators compute in full on the free tier — no capped inputs, no hidden results. What the paid unlock adds is white-labelling (your logo and colors, AdvisorSuite badge removed) plus saving, CSV export, and PDF download, which are disabled for free users.

= Is the payment a subscription? =
No. It is a single one-time payment through Stripe Checkout.

== Changelog ==

= 1.0.0 =
* Initial release: 7 calculators, blocks + shortcodes, Stripe one-time white-label unlock.
