{ "meta": { "generated_at": "2026-03-08T14:14:20Z", "product_type": "term life insurance", "source": "CoverSavvy Term Life Index (rates.coversavvy.com)", "rate_methodology": "average of 2-3 lowest quotes from leading U.S. life insurance carriers", "state": "TX", "rate_date": "2026-03-08", "note": "Carrier names collected but not published", "ages": [ 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65 ], "genders": [ "female", "male" ], "coverage_amounts": [ 100000, 200000, 300000, 400000, 500000, 600000, 700000, 800000, 900000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000, 2500000, 3000000, 3500000, 4000000 ], "term_years": [ 10, 15, 20, 25, 30 ], "health_classes": [ "preferred", "standard", "standard_tobacco" ] }, "rates": { "20": { "female": { "100000": { "10": { "preferred": { "monthly": 7.76, 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