The same person, 84% apart
For one profile we compared, the highest real monthly premium was 84% more than the lowest across seven insurers. Same coverage, same terms — a different insurer.
Watch · 60 seconds
Are you overpaying for your term life?
Sixty seconds on why the same $500K policy can cost 84% more from one insurer than another — and how to compare real premiums before you buy. Sample rates, subject to underwriting.
Real advisor-portal premiums from seven insurers, compared for your profile. Sample rates, subject to underwriting.
What the video explains
Term life is the same promise from every insurer — so why does the premium differ? The short answer is that each insurer prices the risk itself.
Real premiums, not estimates
Every number is pulled from an insurer advisor portal — the same systems licensed agents use. Nothing is averaged, estimated, or a “from” price.
19,237 rates and counting
We publish 19,237 extracted premiums and re-stamp them monthly, so the comparison is real and current for your exact profile.
Get your own numbers
One minute to set your profile. See how many real rates match and the lowest sample premium — then Habib’s broker will call to lock it in. Relationships for life — across generations.