Life Insurance most people guess the price wrong — by 10 times
102 million Americans know they need more life insurance but don't have it — the largest coverage gap on record (LIMRA 2024). The #1 reason: most people overestimate what it costs by 3 to 10 times. A healthy 30-year-old pays around $18/month for $250,000 in 20-year coverage. And if you're ever diagnosed with something serious, you can access that money while you're still alive.
Does any of this sound familiar?
You think it costs way more than you can afford (most people overestimate by 10x)
You're counting on your employer's group life policy as your main coverage
Only 1 in 10 Americans guesses the cost correctly
Adults under 30 overestimate the cost of life insurance by 10 to 12 times (LIMRA 2025). More than half base their estimate on a random guess. A healthy 30-year-old pays around $18/month for $250,000 in 20-year coverage — less than most people spend on a single dinner out. The gap between what people think it costs and what it actually costs is the #1 reason 102 million Americans are underinsured (LIMRA 2024).
Your employer's policy covers 2x your salary. Most families need 10x.
Group life through work typically provides 1–2× your annual salary. Financial planners recommend 10–12× to cover what your family actually needs: income replacement, mortgage, debt, childcare, and college. More importantly, that policy is not yours. When you leave your job — voluntarily or not — the coverage disappears. Building your family's financial safety net on something you don't own creates real risk.
You survive the diagnosis. The bills don't stop.
Living Benefits let you access part of your policy's death benefit while you're still alive if you're diagnosed with a terminal illness (under 24 months to live), a critical illness (heart attack, cancer, stroke), or a chronic illness (unable to perform basic daily activities). A heart attack at 52 shouldn't also be a financial crisis. What's advanced is deducted from the final death benefit. The rate you lock in today also never increases — not with age, not with health changes.
What's covered?
Subject to policy terms and conditions.
This is how it works
Tell us about yourself — 5 minutes
Basic questions about your age and health. No medical exam required on many plans.
We explain term vs. permanent in plain language
We break down Term vs. Whole Life based on your budget and your family's actual needs. No pressure, no jargon.
Policy active in 1–3 business days
Documents arrive by email. Name beneficiaries in any country. Your family is protected this week.
Tell us about yourself — 5 minutes
Basic questions about your age and health. No medical exam required on many plans.
We explain term vs. permanent in plain language
We break down Term vs. Whole Life based on your budget and your family's actual needs. No pressure, no jargon.
Policy active in 1–3 business days
Documents arrive by email. Name beneficiaries in any country. Your family is protected this week.
Ready to get started? Takes under 5 minutes.
From $15/mo · No commitment · No credit check
What our clients say
“I kept putting it off because I assumed it would be $100+ a month. Turns out I was paying more for my gym membership. Got $500K in coverage for $31/month. Should have done it years ago.”
Michael R.
Austin, Texas
“My HR plan covered one year of salary. I didn't realize that's barely enough to cover six months of real expenses for my family. My agent helped me understand the actual number I needed. Now I'm actually covered.”
Jessica L.
Atlanta, Georgia
“The Living Benefits were the deciding factor. My uncle had a stroke and couldn't work for two years — no life insurance, no living benefits, nothing. I wasn't going to let that happen to my family.”
David M.
Phoenix, Arizona
Join over 200 families already protected.
From $15/mo · No commitment
Frequently asked questions
Lock in your rate before it costs more
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