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CoverSavvy Term Life Insurance Rates

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Server Details

Get realistic term life insurance rates from the CoverSavvy Term Life Index. Query monthly premiums by age (20-65), gender, health class, coverage ($100K-$4M), and term length (10-30 years). Rates are averages of 2-3 lowest carrier quotes from leading U.S. life insurance carriers.

Status
Healthy
Last Tested
Transport
Streamable HTTP
URL

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Available Tools

4 tools
compare_health_classesInspect

Given a fixed profile (age, gender, coverage, term), returns rates across all health classes (preferred, standard, standard_tobacco). Helps explain the cost impact of health rating or tobacco use.

ParametersJSON Schema
NameRequiredDescriptionDefault
ageYesApplicant age (20–65)
termYesTerm length in years: 10, 15, 20, 25, or 30
genderYes
coverageYesCoverage amount in dollars (e.g. 500000 for $500K). Call list_options for valid values.
compare_termsInspect

Given a fixed profile (age, gender, health class, coverage), returns rates across all available term lengths (10, 15, 20, 25, 30 years). Helps answer 'should I get a 20 or 30 year term?'

ParametersJSON Schema
NameRequiredDescriptionDefault
ageYesApplicant age (20–65)
genderYes
coverageYesCoverage amount in dollars (e.g. 500000 for $500K). Call list_options for valid values.
health_classYespreferred = best non-tobacco rate, standard = average non-tobacco rate, standard_tobacco = tobacco user rate
list_optionsInspect

Returns all valid parameter values. Call this first to know what ages, coverages, terms, genders, and health classes are available.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

query_ratesInspect

Returns the monthly and annual premium for a specific profile. All 5 parameters are required.

ParametersJSON Schema
NameRequiredDescriptionDefault
ageYesApplicant age (20–65)
termYesTerm length in years: 10, 15, 20, 25, or 30
genderYes
coverageYesCoverage amount in dollars (e.g. 500000 for $500K). Call list_options for valid values.
health_classYespreferred = best non-tobacco rate, standard = average non-tobacco rate, standard_tobacco = tobacco user rate

Verify Ownership

Claim this connector by publishing a /.well-known/glama.json file on your server's domain with the following structure:

{
  "$schema": "https://glama.ai/mcp/schemas/connector.json",
  "maintainers": [
    {
      "email": "your-email@example.com"
    }
  ]
}

The email address must match the email associated with your Glama account. Once verified, the connector will appear as claimed by you.

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