Make smarter insurance decisions — beyond the premium.
Understand deductibles, risk, cash exposure, and long-term cost across your insurance.
The Analytical Toolkit
Four core tools shared across all insurance categories.
Deductible Optimizer
See how deductible choices affect long-term cost.
Premium Increase Simulator
Model how claims impact future premiums.
Emergency Fund Tool
Understand how much cash you need to safely self-insure risk.
Claim Probability Tool
Estimate the likelihood of filing a claim.
The Path to Clarity
Pick Insurance Type
Select from Auto, Health, Renters, or Homeowners to begin.
Run Simulations
Input your current plan details to see the underlying data.
Compare Costs
Examine long-term tradeoffs and find your optimal risk level.
A Neutral Foundation
Insurance decisions are often made without visibility into tradeoffs. Premiums alone don’t tell the full story. This platform exists to make costs and risk explicit.
We are not an insurance company. We do not sell policies. We provide the data you need to make informed financial decisions without the marketing noise.
Ready to analyze your insurance?
Pick an insurance tool to start your cost analysis today.