Offer A
$30,250modeled period cost- First-year cost
- $2,450
- Flat-extra total
- $6,250
- Cost per $100,000
- $6,050
No contract note entered.
Life insurance offer comparison desk for the offers you actually received
Enter premium and flat-extra terms for two offers. The desk shows annual and term-period arithmetic while keeping exclusions, guarantees and other contract differences visible.
Cost and terms brief
Offer A costs less over the selected period using the entered premium and flat-extra terms.
Offer B
$33,000modeled period cost- First-year cost
- $1,650
- Flat-extra total
- $0
- Cost per $100,000
- $6,600
No contract note entered.
The lower modeled cost is not automatically the better offer. This desk does not value exclusions, riders, conversion options, guarantees, insurer strength, taxes or the time value of money.
Calculation method
Annual flat extra equals death benefit divided by 1,000, multiplied by the entered flat-extra rate. Modeled period cost equals base annual premium times comparison years, plus the annual flat extra times the smaller of flat-extra years or comparison years. Cost per $100,000 standardizes the modeled total only for benefit size.
Confirm whether your insurer's extra charge uses this structure and whether premiums are quoted annually or by another payment mode. Read the rated-offer guide and policy review checklist before accepting coverage.