Buying life cover is boring. It ranks right up there with filing taxes or unclogging a drain. It is an adult responsibility we know we need to tackle, but we procrastinate endlessly. We dread the process. The idea of a long meeting with a pushy agent, endless paperwork, and confusing jargon makes us feel small. We worry about buying a product we don’t need at a price we can’t verify.

But the game has changed. You do not need to rely on a stranger in a suit anymore. The barrier to financial security used to be complexity. Now, it is just a matter of opening an app. The Term Insurance Calculator has turned a complicated financial chore into a five-minute preliminary task. It is no longer about what an agent thinks you need. It is about what you decide you want.