How we calculate our rates

What every table assumes

Unless a table says otherwise, prices are monthly, for a non-tobacco user in the best health class the product offers, and shown separately for men and women. Term tables state their term length. Final expense tables show level (day-one) benefit pricing.

How the estimates are built

Our estimate engine models how carriers price by age, sex, tobacco use, coverage amount, term length and health class, using pricing curves typical of the market. It is designed to land in the range most healthy applicants see, not to match one carrier exactly.

Why your price may differ

Your rate depends on underwriting: your health history, prescriptions, height and weight, driving record and family history. Carriers also price the same person differently, which is why we compare several. Prices are not an offer of insurance until a carrier approves your application.

How often we update

We regenerate every table when our rate source changes and at least monthly, and the date under each table shows when it was last updated.

See your own price with the rate checker, or read our editorial standards.