What a strange way of looking at it. In the US, around 80% of men and 88% of women live to be 65. I wasn't easily able to find stats on how this breaks down ac

What a strange way of looking at it. In the US, around 80% of men and 88% of women live to be 65. I wasn't easily able to find stats on how this breaks down across college graduates (or separate it from those who die before they enter the workforce), but for simplicity's sake, let's take 88% average for both genders to account for this. That means the odds of me dying throughout my entire working life are 12%. Let's plug THOSE numbers into the equations, assuming working from 18-65, so 47 years. > Likelihood of death in 47 years = [12%] > Multiplied by the total payout (median $166k/yr salary) = $500 000 > The insurance's expected value is $60 000 Total payments into the premium are 47 * 550 = $25 850 Now obviously there are some big caveats to this - I would imagine a significant proportion of Googlers retire early, etc., but the maths presented is... at best oversimplified. This is also not some impartial review, this is a company with something to sell. I would be very cautious accepting their 'review' at face value.