Simple, transparent pricing
Know Your Coverage Need. Pay Per Report.
Start free with a basic DIME estimate. Purchase detailed reports with Monte Carlo simulation, carrier comparison, and underwriting prediction.
Free
Basic coverage estimate
$0
- Simplified DIME calculation
- Recommended coverage range
- Basic gap analysis
- No Monte Carlo simulation
- No carrier comparison
- No downloadable PDF
Single Report
One comprehensive analysis
$12.99one-time
- Full DIME + HLV + Gap Analysis
- Monte Carlo survival simulation
- Carrier comparison matrix
- Underwriting risk prediction
- Term length optimization
- Downloadable PDF report
Best Value
Report Pack
5 reports for the family
$39.99one-time
- 5 comprehensive reports
- Everything in Single Report
- Family coverage planning
- Life-stage analysis
- Save $25 vs buying singles
Frequently Asked Questions
What does a report include?
Each report includes a full DIME and Human Life Value comparison, Monte Carlo survival simulation (10,000 iterations), coverage gap analysis, carrier comparison with NAIC complaint ratios and AM Best ratings, underwriting risk prediction, term length optimization with ladder strategy analysis, and a downloadable PDF.
How accurate are the coverage estimates?
Our models use SOA mortality tables, published actuarial frameworks (DIME and HLV), and NAIC carrier data. The Monte Carlo simulation produces probability distributions, not single-point estimates. Always consult a licensed insurance professional before purchasing a policy.
When should I use this tool?
Any time you are considering life insurance: getting married, having children, buying a home, changing jobs, or reviewing existing coverage. Run reports for both partners in a couple to ensure adequate family protection.
Do credits expire?
No. Report credits and API credits never expire. Use them whenever you need them.
What is your refund policy?
Try the free tier first to see exactly what data you get. All credit purchases are final since credits are delivered instantly. If you experience a technical issue preventing report generation, contact us for support.
Ready to find your right coverage?
One report can prevent your family from being underinsured by hundreds of thousands of dollars.
Start Free AnalysisNo credit card required