Life insurance is just a euphemism for death insurance.
Embrace the uncomfortable so that your family can be comfortable.
Speak with a real human · No personal data until you're ready to buy · Get covered for less than the cost of your streaming services
A death benefit is exactly what it sounds like. You die. They get a check. The check pays the mortgage, feeds the kids, and buys your spouse time to figure out what comes next. Without it, they figure it out on their own. Immediately.
The mortgage doesn't pause for grief. Miss three payments after a sudden death and the bank starts paperwork. A policy with a proper death benefit means your family's address doesn't change the same year everything else does.
Disability income protection means that if you're too hurt or too sick to work, money still comes in. Your bills do not share your optimism about recovery timelines. Savings last weeks. Disability coverage lasts years.
Losing a breadwinner in a two-income household can inflict permanent damage on the finances of the ones left behind. A properly sized policy fills that gap. Your spouse's 65-year-old self will thank your 38-year-old self for thinking ahead.
Nobody's forcing college. But when a parent dies uninsured, the question of higher education gets answered immediately by the family's bank account, not by anyone's aspirations. Coverage keeps the option open.
Question 19 on the quiz: "Do you lie awake sometimes thinking about what would happen to your family?" Most people with coverage answer no. Most people without coverage answer yes, then keep not buying coverage, then lie awake again.
It costs $0/month. It pays $0 when you die. It has protected zero families, zero times, in all of recorded history. You've been on it since birth. No one signed you up. No one had to.
Get Off The Zero Plan →| Feature | The Zero Plan™ | Real Life Insurance |
|---|---|---|
| Monthly Premium | $0 | ~$20–$60/mo |
| Death Benefit | $0 | $250K – $1M+ |
| Family Stays in Their Home | No | Yes |
| Kids' College Options | Nope | Open |
| Income If You're Disabled | Absolutely not | 60–70% of income |
| Spouse Retires Eventually | Unlikely | On track |
| Regret Upon Death | Infinite | None |
| Peace of Mind (nights) | 0% | 100% |
| How Long to Get Started | Already enrolled | ~10 minutes |
* The Zero Plan™ is not a real product. It's just what happens when you don't have one. You're currently enrolled.
All testimonials from people still alive. Results not typical. Or are they.
"I've been on the Zero Plan for six years. My wife calls it 'an act of faith.' I call it saving $40 a month. These are not compatible worldviews and we don't talk about it."
"Totally recommend. Haven't died yet so technically it's working. My financial advisor showed me the spreadsheet of what happens to my family if I die on this plan. I'm getting coverage next week."
"When my husband passed, I was surprised to learn he'd had the Zero Plan. They delivered exactly as promised. Zero dollars, right on time. We're making it work. I am telling everyone I know."
"I herniated three discs and couldn't work for eight months. The Zero Plan's disability coverage was exactly as advertised. The bank has a different word for it than I do. Got a real policy now."
"I'm self-employed and had zero coverage. Took the quiz expecting to feel fine about it. Got a score that described my situation as 'fairly urgent' and called my agent that afternoon. Policy in a week."
"The quiz asked if I lie awake thinking about what would happen to my family if I died. I said yes. Then it asked if I had coverage. I said no. Then it said 'well, there's your problem.' That's not a direct quote but it's what I heard."
Other life insurance providers ask you for your social, your mother's maiden name, and put you in a bucket. We ask you to talk to a human and give you the right options based on what's typical for you.
If you got hit by a bus on Tuesday, would your family need a GoFundMe?
How much coverage is right for you?
Calculate hypotheticals using real DIME math. Your real coverage number, not an industry "10× income" guess.
What is normal insurance for normal humans? Real scenarios and their typical rates, broken down by situation.
Everything most life insurance pages refuse to say plainly.
The average term policy costs less per month than a streaming subscription. The Zero Plan™ costs your family everything. The math isn't complicated.
A Typical Insurance publication
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