The difference

You almost certainly think this costs more than it does.

Adults under thirty overestimate the price of a $250,000 policy by ten to twelve times. Cost is the most common reason people go without cover — and it is the wrong reason, because the number in their head is not the number on the page.

So guess first. Then see the real price. Then see what the gap between the two is worth if you invest it instead of imagining it.