Margaret (37, female, Pennsylvania, non-smoker) and Rafael (41, male, Pennsylvania, non-smoker)

Shorter payment schedules increase benefits. Total benefits may differ slightly from policy docs due to rounding. When quoting for two people, we average the annual and total benefits at age 80 from each person’s policy to simplify comparisons (individual details are available upon request). Quotes are subject to change based on your health, policy updates, and your birthday. For illustrative purposes only. Refer to your policy for exact details. 
Chart: Long Term What? Source: Policy illustrations Get the data Created with Datawrapper