When you shop for life insurance, the most important factor isn’t one company’s price — it’s the entire market. Rates can vary by as much as 60% between carriers for the same coverage, age, and health profile. The data below shows every price available for a 36-year-old male (non-nicotine) shopping for a $1,000,000 term life insurance policy, across 10-year, 20-year, and 30-year terms. This is real, raw market data directly from carrier rate sheets. This article breaks down t

If you’re 35 years old and shopping for $1,000,000 of term life insurance, you’re in the single most affordable age range  for high-limit coverage. Your income is rising, your health is usually strong, and carriers compete hard for your demographic — which means pricing is at its absolute best. Below is the full market pulled directly from carrier rate software. This includes 20-year, 25-year, and 30-year term options for a healthy 35-year-old male. If you want to compare 50+

If you’re looking at a $20,000,000 permanent life insurance policy, you’re not shopping for fun. You’re trying to solve real problems: estate taxes, liquidity for heirs, business succession, or multi-generational planning. This article walks through: A real-world quote comparison for a 50-year-old male (age 121 guarantees) When a $20M permanent policy makes sense Which carriers show up cheapest How to think about estate planning structure (trusts, ownership, etc.) How an inde