Slide. Compare. Covered.

How the model works (and its limits)

This is a transparent, simplified model that runs in your browser. It is not a carrier rating engine, it uses no carrier rates, and real premiums depend on underwriting: address, claims history, construction, credit-based insurance score where permitted, driving record, health and more. Ranges show the model's midpoint ±15% (home, auto), ±20% (life) or ±25% (pharmacy).

Home

• Base: about $4.22 per $1,000 of dwelling coverage per year at a 2% wind/hail deductible with replacement-cost roof coverage. Calibrated to one real Texas example: a ~$396k new build quoted at $1,672/yr (2% deductible) and $1,281/yr (5%).
• Deductible factors: $1,000 ×1.30 · 1% ×1.15 · 2% ×1.00 · 5% ×0.766 (the real example's ~23% drop from 2% to 5%).
• Actual-cash-value roof ×0.86 · bundle ×0.90 · monitored alarm ×0.95 · pay in full ×0.97.

Auto

• Base: $2,000 per vehicle per year, full coverage, $500 deductible, 100/300/100 limits. Each extra vehicle adds 85%.
• Deductible: $250 ×1.14 · $500 ×1 · $1,000 ×0.87 · $2,000 ×0.76. Limits: 30/60/25 (Texas minimum) ×0.82 · 50/100/50 ×0.92 · 100/300/100 ×1 · 250/500/250 ×1.15.
• Liability only ×0.45 (deductible ignored) · one ticket/claim ×1.30 · bundle ×0.90 · pay in full ×0.96.

Life (level term)

• $0.32 per $1,000 of coverage per year for a 35-year-old non-tobacco user at a 20-year term, plus a $50 policy fee.
• Term: 10 yrs ×0.72 · 15 ×0.85 · 20 ×1 · 25 ×1.28 · 30 ×1.6. Age: ×1.085 per year above or below 35. Tobacco ×2.8.

Independent pharmacy package

• Professional + general liability $1,300 at $1M/$3M ($2M/$4M ×1.30; sterile compounding ×4) plus a business owner's policy $2,000, with deductible factors $0 ×1.08 · $1,000 ×1 · $2,500 ×0.92 · $5,000 ×0.85.
• Workers' comp $450 per employee; cyber $800.
• Inputs come from published industry ranges, not carrier rates.

No savings are guaranteed. MeeXe has no carrier appointments yet and does not show carrier names or logos.