# rates.coversavvy.com — CoverSavvy Term Life Index
# What: Term life insurance rate tables built from 882,000+ real carrier quotes
# Methodology: Each rate is the average of the 2-3 lowest quotes from leading U.S. life insurance carriers
# Health classes: Preferred, Standard, Standard Tobacco
# Coverage: Ages 20-65, terms 10-30yr, amounts $100K-$4M, state TX
# Total rate combinations: 33,120
# Data format: JSON at /age/{age}/data.json | Full dataset: /rates.json
# Updated: quarterly
# Rate date: 2026-03-08