# CoverSavvy

> Term life insurance for working adults ages 18-65 in good health. Self-serve quoting and online applications, with optional help from a licensed agent. Insurance offered through licensed independent agent Matthew Gratt (NPN 21590619).

## Tools

- [Term Life Insurance Calculator](https://coversavvy.com/term-life-insurance-calculator/): a capital-needs analysis (not "10x income") that answers "how much life insurance do I need?" and shows how the need falls over time. Ages 18-65.
- [Term Life Rate Tables](https://coversavvy.com/rates/): rates built from 407,000+ real carrier quotes. Ages 20-65, terms 10-30 years, $250K-$4M. Per-age tables at /rates/age/{age}/, per-term tables at /rates/term-length/{10,15,20,25,30}-year/.
- [Get a Quote](https://coversavvy.com/rates/term/): live carrier quotes and an online application

## Guides

- [Learn (all guides)](https://coversavvy.com/learn/)
- [What Is Term Life Insurance?](https://coversavvy.com/what-is-term-life-insurance/): how term life works, cost by age, term vs. whole life, choosing a term length
- [How to Compare and Buy Term Life Insurance Online](https://coversavvy.com/buy-term-life-insurance-online/): direct vs. marketplace vs. broker, rates by age and coverage amount, comparing quotes, no-exam options, the application and free look
- [Term Life Insurance for Self-Employed People](https://coversavvy.com/term-life-insurance-for-self-employed/): no employer group coverage; how much to buy, what it costs, tax treatment of premiums, applying

## Key pages

- [Term Life Insurance](https://coversavvy.com/term-life/)
- [Rates FAQ](https://coversavvy.com/rates/faq/)
- [Licensing](https://coversavvy.com/licensing/)
- [Contact](https://coversavvy.com/contact/)

## Optional

- [Rates section index](https://coversavvy.com/rates/llms.txt): data files, methodology and MCP server
- [ShopBurial.com](https://shopburial.com/): final expense and burial insurance for older or higher-risk buyers