The Cost of WaitingIs CompoundingRight Now.
Every birthday increases your premium 8–10%. We've built the infrastructure to price, compare, and bind coverage before the next one arrives.
Every Year You Wait
Costs You More Than You Think
$500,000 / 20-Year Term policy. Male, non-smoker, standard health. Premiums sourced from actuarial tables across 12 major carriers.
Hover any row to highlight. Rates increase 8–10% annually.
See Your Exact Number
Use the slider above to find your current premium. No email required.
↑ Try the EstimatorThe Gap Between What
You Have and What You Need
Data sourced from LIMRA, the Federal Reserve Survey of Consumer Finances, and the American Council of Life Insurers. Updated Q1 2026.
The math is not complicated. It's uncomfortable. Which is why 44% of households have never run it. The Coverage Blueprint does it in under 3 minutes.
Term vs. Whole Life.
The Analysis You've Been Avoiding.
Most advisors benefit from selling whole life. We don't. This table reflects actuarial reality, not commission structure.
Underwrite Recommendation for 90% of Clients
20-year term, $500K–$1.5M face value, purchased before age 35. Invest the premium difference in a low-cost index fund. Reassess at age 45 or when net worth exceeds $2M.
Data reflects median market rates as of Q1 2026. Individual premiums vary based on age, health classification, smoking status, and carrier. The Coverage Blueprint includes a personalized carrier comparison for your specific profile.
Every Document Already in Order.
Download the Blueprint.
The Coverage Blueprint is a 14-page actuarial briefing that tells you exactly what you need, from which carrier, at what price — before you speak to anyone.
What's your age range?
Premium rates are age-banded. This determines your baseline.