{
 "built": "2026-09-19",
 "built_label": "September 2026",
 "brand": "PolicyChat",
 "label": "Industry estimates from published carrier rate tables, monthly premium, not a quote. The carrier confirms the price when it underwrites.",
 "source": "PolicyChat life pricing engine (the same estimates Sage and the two-minute estimate use), calibrated to public term-life quoting tools, 2026.",
 "engine": {
  "module": "src.chat.life_underwriting.price_band",
  "repo": "policychat-intelligence",
  "commit": "d1e76279e7cc",
  "life_underwriting_sha256": "69db3cb0841c3f4a154e7798ec495266216b2e8f93b6746b340f6813d81e9f20",
  "tools_sha256": "0f485f0eadb63baed658d26a26ac55a9bffc48273567ee4d5e63216165b8b044",
  "class_multipliers_on_standard_term": {
   "preferred_plus": 0.8,
   "preferred": 0.92,
   "standard": 1.15,
   "table": 1.85,
   "guaranteed_issue": 2.6
  },
  "tobacco_multiplier": 2.4,
  "normalized_cells": [],
  "normalization_rule": "when a cell comes back inverted (high <= low, only possible under the engine's $8 floor), high is set to low + 3, the engine's own minimum spread; never changes a low value"
 },
 "dimensions": {
  "ages": [
   25,
   30,
   35,
   40,
   45,
   50,
   55,
   60,
   65
  ],
  "classes": [
   "preferred_plus",
   "preferred",
   "standard",
   "table"
  ],
  "class_labels": {
   "preferred_plus": "Preferred Plus (best rates)",
   "preferred": "Preferred",
   "standard": "Standard",
   "table": "Standard with a health rating"
  },
  "terms": [
   10,
   20,
   30
  ],
  "faces": [
   250000,
   500000,
   1000000
  ],
  "period": "monthly",
  "tobacco": "non-tobacco unless the row says tobacco",
  "gender": "blended (women typically ~12% less, men ~5% more in the engine)"
 },
 "availability_note": {
  "basis": "editorial convention, not an engine output",
  "max_age_by_term": {
   "10": 70,
   "20": 65,
   "30": 55
  },
  "text": "Most carriers stop issuing a 30-year term around age 55 and a 20-year term around 65; cells past those ages are shown as 'ask' rather than priced."
 },
 "ages": {
  "25": {
   "age": 25,
   "classes": {
    "preferred_plus": {
     "10": {
      "250000": {
       "low": 8,
       "high": 11
      },
      "500000": {
       "low": 8,
       "high": 12
      },
      "1000000": {
       "low": 14,
       "high": 24
      }
     },
     "20": {
      "250000": {
       "low": 8,
       "high": 11
      },
      "500000": {
       "low": 12,
       "high": 20
      },
      "1000000": {
       "low": 23,
       "high": 38
      }
     },
     "30": {
      "250000": {
       "low": 9,
       "high": 15
      },
      "500000": {
       "low": 18,
       "high": 30
      },
      "1000000": {
       "low": 34,
       "high": 56
      }
     }
    },
    "preferred": {
     "10": {
      "250000": {
       "low": 8,
       "high": 11
      },
      "500000": {
       "low": 9,
       "high": 14
      },
      "1000000": {
       "low": 16,
       "high": 27
      }
     },
     "20": {
      "250000": {
       "low": 8,
       "high": 12
      },
      "500000": {
       "low": 14,
       "high": 23
      },
      "1000000": {
       "low": 26,
       "high": 44
      }
     },
     "30": {
      "250000": {
       "low": 10,
       "high": 17
      },
      "500000": {
       "low": 20,
       "high": 34
      },
      "1000000": {
       "low": 39,
       "high": 65
      }
     }
    },
    "standard": {
     "10": {
      "250000": {
       "low": 8,
       "high": 11
      },
      "500000": {
       "low": 11,
       "high": 18
      },
      "1000000": {
       "low": 20,
       "high": 34
      }
     },
     "20": {
      "250000": {
       "low": 9,
       "high": 14
      },
      "500000": {
       "low": 17,
       "high": 29
      },
      "1000000": {
       "low": 33,
       "high": 55
      }
     },
     "30": {
      "250000": {
       "low": 13,
       "high": 21
      },
      "500000": {
       "low": 26,
       "high": 43
      },
      "1000000": {
       "low": 49,
       "high": 81
      }
     }
    },
    "table": {
     "10": {
      "250000": {
       "low": 9,
       "high": 14
      },
      "500000": {
       "low": 17,
       "high": 29
      },
      "1000000": {
       "low": 33,
       "high": 54
      }
     },
     "20": {
      "250000": {
       "low": 14,
       "high": 23
      },
      "500000": {
       "low": 28,
       "high": 46
      },
      "1000000": {
       "low": 53,
       "high": 88
      }
     },
     "30": {
      "250000": {
       "low": 21,
       "high": 34
      },
      "500000": {
       "low": 41,
       "high": 68
      },
      "1000000": {
       "low": 78,
       "high": 130
      }
     }
    }
   },
   "tobacco_standard": {
    "10": {
     "250000": {
      "low": 13,
      "high": 21
     },
     "500000": {
      "low": 26,
      "high": 43
     },
     "1000000": {
      "low": 49,
      "high": 81
     }
    },
    "20": {
     "250000": {
      "low": 21,
      "high": 34
     },
     "500000": {
      "low": 41,
      "high": 69
     },
     "1000000": {
      "low": 79,
      "high": 131
     }
    },
    "30": {
     "250000": {
      "low": 31,
      "high": 51
     },
     "500000": {
      "low": 61,
      "high": 102
     },
     "1000000": {
      "low": 116,
      "high": 194
     }
    }
   },
   "rate_step_pct_next_birthday": 4.3,
   "rate_step_pct_five_years": 17.4,
   "terms_available": [
    10,
    20,
    30
   ]
  },
  "30": {
   "age": 30,
   "classes": {
    "preferred_plus": {
     "10": {
      "250000": {
       "low": 8,
       "high": 11
      },
      "500000": {
       "low": 9,
       "high": 15
      },
      "1000000": {
       "low": 16,
       "high": 28
      }
     },
     "20": {
      "250000": {
       "low": 8,
       "high": 12
      },
      "500000": {
       "low": 14,
       "high": 24
      },
      "1000000": {
       "low": 27,
       "high": 46
      }
     },
     "30": {
      "250000": {
       "low": 10,
       "high": 18
      },
      "500000": {
       "low": 21,
       "high": 36
      },
      "1000000": {
       "low": 39,
       "high": 67
      }
     }
    },
    "preferred": {
     "10": {
      "250000": {
       "low": 8,
       "high": 11
      },
      "500000": {
       "low": 10,
       "high": 17
      },
      "1000000": {
       "low": 19,
       "high": 33
      }
     },
     "20": {
      "250000": {
       "low": 8,
       "high": 14
      },
      "500000": {
       "low": 16,
       "high": 28
      },
      "1000000": {
       "low": 31,
       "high": 52
      }
     },
     "30": {
      "250000": {
       "low": 12,
       "high": 20
      },
      "500000": {
       "low": 24,
       "high": 41
      },
      "1000000": {
       "low": 45,
       "high": 78
      }
     }
    },
    "standard": {
     "10": {
      "250000": {
       "low": 8,
       "high": 11
      },
      "500000": {
       "low": 12,
       "high": 21
      },
      "1000000": {
       "low": 24,
       "high": 41
      }
     },
     "20": {
      "250000": {
       "low": 10,
       "high": 17
      },
      "500000": {
       "low": 20,
       "high": 34
      },
      "1000000": {
       "low": 38,
       "high": 66
      }
     },
     "30": {
      "250000": {
       "low": 15,
       "high": 26
      },
      "500000": {
       "low": 30,
       "high": 51
      },
      "1000000": {
       "low": 57,
       "high": 97
      }
     }
    },
    "table": {
     "10": {
      "250000": {
       "low": 10,
       "high": 17
      },
      "500000": {
       "low": 20,
       "high": 34
      },
      "1000000": {
       "low": 38,
       "high": 65
      }
     },
     "20": {
      "250000": {
       "low": 16,
       "high": 28
      },
      "500000": {
       "low": 32,
       "high": 56
      },
      "1000000": {
       "low": 62,
       "high": 105
      }
     },
     "30": {
      "250000": {
       "low": 24,
       "high": 41
      },
      "500000": {
       "low": 48,
       "high": 82
      },
      "1000000": {
       "low": 91,
       "high": 156
      }
     }
    }
   },
   "tobacco_standard": {
    "10": {
     "250000": {
      "low": 15,
      "high": 26
     },
     "500000": {
      "low": 30,
      "high": 51
     },
     "1000000": {
      "low": 57,
      "high": 98
     }
    },
    "20": {
     "250000": {
      "low": 24,
      "high": 41
     },
     "500000": {
      "low": 48,
      "high": 83
     },
     "1000000": {
      "low": 92,
      "high": 157
     }
    },
    "30": {
     "250000": {
      "low": 36,
      "high": 61
     },
     "500000": {
      "low": 71,
      "high": 123
     },
     "1000000": {
      "low": 136,
      "high": 233
     }
    }
   },
   "rate_step_pct_next_birthday": 5.6,
   "rate_step_pct_five_years": 22.2,
   "terms_available": [
    10,
    20,
    30
   ]
  },
  "35": {
   "age": 35,
   "classes": {
    "preferred_plus": {
     "10": {
      "250000": {
       "low": 8,
       "high": 11
      },
      "500000": {
       "low": 11,
       "high": 17
      },
      "1000000": {
       "low": 21,
       "high": 33
      }
     },
     "20": {
      "250000": {
       "low": 9,
       "high": 14
      },
      "500000": {
       "low": 18,
       "high": 28
      },
      "1000000": {
       "low": 34,
       "high": 53
      }
     },
     "30": {
      "250000": {
       "low": 13,
       "high": 21
      },
      "500000": {
       "low": 27,
       "high": 41
      },
      "1000000": {
       "low": 51,
       "high": 79
      }
     }
    },
    "preferred": {
     "10": {
      "250000": {
       "low": 8,
       "high": 11
      },
      "500000": {
       "low": 13,
       "high": 20
      },
      "1000000": {
       "low": 24,
       "high": 38
      }
     },
     "20": {
      "250000": {
       "low": 10,
       "high": 16
      },
      "500000": {
       "low": 21,
       "high": 32
      },
      "1000000": {
       "low": 39,
       "high": 61
      }
     },
     "30": {
      "250000": {
       "low": 15,
       "high": 24
      },
      "500000": {
       "low": 31,
       "high": 48
      },
      "1000000": {
       "low": 58,
       "high": 91
      }
     }
    },
    "standard": {
     "10": {
      "250000": {
       "low": 8,
       "high": 12
      },
      "500000": {
       "low": 16,
       "high": 25
      },
      "1000000": {
       "low": 30,
       "high": 47
      }
     },
     "20": {
      "250000": {
       "low": 13,
       "high": 20
      },
      "500000": {
       "low": 26,
       "high": 40
      },
      "1000000": {
       "low": 49,
       "high": 76
      }
     },
     "30": {
      "250000": {
       "low": 19,
       "high": 30
      },
      "500000": {
       "low": 38,
       "high": 60
      },
      "1000000": {
       "low": 73,
       "high": 113
      }
     }
    },
    "table": {
     "10": {
      "250000": {
       "low": 13,
       "high": 20
      },
      "500000": {
       "low": 26,
       "high": 40
      },
      "1000000": {
       "low": 49,
       "high": 76
      }
     },
     "20": {
      "250000": {
       "low": 21,
       "high": 32
      },
      "500000": {
       "low": 42,
       "high": 65
      },
      "1000000": {
       "low": 79,
       "high": 123
      }
     },
     "30": {
      "250000": {
       "low": 31,
       "high": 48
      },
      "500000": {
       "low": 62,
       "high": 96
      },
      "1000000": {
       "low": 117,
       "high": 182
      }
     }
    }
   },
   "tobacco_standard": {
    "10": {
     "250000": {
      "low": 19,
      "high": 30
     },
     "500000": {
      "low": 39,
      "high": 60
     },
     "1000000": {
      "low": 73,
      "high": 114
     }
    },
    "20": {
     "250000": {
      "low": 31,
      "high": 48
     },
     "500000": {
      "low": 62,
      "high": 97
     },
     "1000000": {
      "low": 118,
      "high": 184
     }
    },
    "30": {
     "250000": {
      "low": 46,
      "high": 71
     },
     "500000": {
      "low": 92,
      "high": 143
     },
     "1000000": {
      "low": 175,
      "high": 272
     }
    }
   },
   "rate_step_pct_next_birthday": 7.6,
   "rate_step_pct_five_years": 34.8,
   "terms_available": [
    10,
    20,
    30
   ]
  },
  "40": {
   "age": 40,
   "classes": {
    "preferred_plus": {
     "10": {
      "250000": {
       "low": 8,
       "high": 12
      },
      "500000": {
       "low": 15,
       "high": 24
      },
      "1000000": {
       "low": 28,
       "high": 45
      }
     },
     "20": {
      "250000": {
       "low": 12,
       "high": 19
      },
      "500000": {
       "low": 24,
       "high": 38
      },
      "1000000": {
       "low": 46,
       "high": 72
      }
     },
     "30": {
      "250000": {
       "low": 18,
       "high": 28
      },
      "500000": {
       "low": 36,
       "high": 56
      },
      "1000000": {
       "low": 67,
       "high": 107
      }
     }
    },
    "preferred": {
     "10": {
      "250000": {
       "low": 9,
       "high": 14
      },
      "500000": {
       "low": 17,
       "high": 27
      },
      "1000000": {
       "low": 33,
       "high": 51
      }
     },
     "20": {
      "250000": {
       "low": 14,
       "high": 22
      },
      "500000": {
       "low": 28,
       "high": 44
      },
      "1000000": {
       "low": 52,
       "high": 83
      }
     },
     "30": {
      "250000": {
       "low": 20,
       "high": 32
      },
      "500000": {
       "low": 41,
       "high": 65
      },
      "1000000": {
       "low": 78,
       "high": 123
      }
     }
    },
    "standard": {
     "10": {
      "250000": {
       "low": 11,
       "high": 17
      },
      "500000": {
       "low": 21,
       "high": 34
      },
      "1000000": {
       "low": 41,
       "high": 64
      }
     },
     "20": {
      "250000": {
       "low": 17,
       "high": 27
      },
      "500000": {
       "low": 34,
       "high": 55
      },
      "1000000": {
       "low": 66,
       "high": 104
      }
     },
     "30": {
      "250000": {
       "low": 26,
       "high": 40
      },
      "500000": {
       "low": 51,
       "high": 81
      },
      "1000000": {
       "low": 97,
       "high": 154
      }
     }
    },
    "table": {
     "10": {
      "250000": {
       "low": 17,
       "high": 27
      },
      "500000": {
       "low": 34,
       "high": 54
      },
      "1000000": {
       "low": 65,
       "high": 104
      }
     },
     "20": {
      "250000": {
       "low": 28,
       "high": 44
      },
      "500000": {
       "low": 56,
       "high": 88
      },
      "1000000": {
       "low": 105,
       "high": 167
      }
     },
     "30": {
      "250000": {
       "low": 41,
       "high": 65
      },
      "500000": {
       "low": 82,
       "high": 130
      },
      "1000000": {
       "low": 156,
       "high": 247
      }
     }
    }
   },
   "tobacco_standard": {
    "10": {
     "250000": {
      "low": 26,
      "high": 41
     },
     "500000": {
      "low": 51,
      "high": 81
     },
     "1000000": {
      "low": 98,
      "high": 154
     }
    },
    "20": {
     "250000": {
      "low": 41,
      "high": 66
     },
     "500000": {
      "low": 83,
      "high": 131
     },
     "1000000": {
      "low": 157,
      "high": 249
     }
    },
    "30": {
     "250000": {
      "low": 61,
      "high": 97
     },
     "500000": {
      "low": 123,
      "high": 194
     },
     "1000000": {
      "low": 233,
      "high": 369
     }
    }
   },
   "rate_step_pct_next_birthday": 10.1,
   "rate_step_pct_five_years": 48.3,
   "terms_available": [
    10,
    20,
    30
   ]
  },
  "45": {
   "age": 45,
   "classes": {
    "preferred_plus": {
     "10": {
      "250000": {
       "low": 11,
       "high": 17
      },
      "500000": {
       "low": 22,
       "high": 35
      },
      "1000000": {
       "low": 42,
       "high": 66
      }
     },
     "20": {
      "250000": {
       "low": 18,
       "high": 28
      },
      "500000": {
       "low": 36,
       "high": 56
      },
      "1000000": {
       "low": 68,
       "high": 106
      }
     },
     "30": {
      "250000": {
       "low": 27,
       "high": 41
      },
      "500000": {
       "low": 53,
       "high": 83
      },
      "1000000": {
       "low": 101,
       "high": 157
      }
     }
    },
    "preferred": {
     "10": {
      "250000": {
       "low": 13,
       "high": 20
      },
      "500000": {
       "low": 26,
       "high": 40
      },
      "1000000": {
       "low": 49,
       "high": 76
      }
     },
     "20": {
      "250000": {
       "low": 21,
       "high": 32
      },
      "500000": {
       "low": 41,
       "high": 64
      },
      "1000000": {
       "low": 79,
       "high": 122
      }
     },
     "30": {
      "250000": {
       "low": 31,
       "high": 48
      },
      "500000": {
       "low": 61,
       "high": 95
      },
      "1000000": {
       "low": 116,
       "high": 181
      }
     }
    },
    "standard": {
     "10": {
      "250000": {
       "low": 16,
       "high": 25
      },
      "500000": {
       "low": 32,
       "high": 50
      },
      "1000000": {
       "low": 61,
       "high": 95
      }
     },
     "20": {
      "250000": {
       "low": 26,
       "high": 40
      },
      "500000": {
       "low": 52,
       "high": 80
      },
      "1000000": {
       "low": 98,
       "high": 153
      }
     },
     "30": {
      "250000": {
       "low": 38,
       "high": 60
      },
      "500000": {
       "low": 77,
       "high": 119
      },
      "1000000": {
       "low": 146,
       "high": 226
      }
     }
    },
    "table": {
     "10": {
      "250000": {
       "low": 26,
       "high": 40
      },
      "500000": {
       "low": 52,
       "high": 80
      },
      "1000000": {
       "low": 98,
       "high": 153
      }
     },
     "20": {
      "250000": {
       "low": 42,
       "high": 65
      },
      "500000": {
       "low": 83,
       "high": 130
      },
      "1000000": {
       "low": 158,
       "high": 246
      }
     },
     "30": {
      "250000": {
       "low": 62,
       "high": 96
      },
      "500000": {
       "low": 123,
       "high": 192
      },
      "1000000": {
       "low": 234,
       "high": 364
      }
     }
    }
   },
   "tobacco_standard": {
    "10": {
     "250000": {
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 },
 "dataset_url": "https://life.policychat.com/life-insurance/rates/",
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "citation": "PolicyChat. \"Term life insurance rates by age (2026).\" September 2026. https://life.policychat.com/life-insurance/rates/",
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