# Hans Goldstein — hansgoldstein.com

> Independent licensed insurance producer. 300+ annuity, CD, HYSA and long-term-care product reviews with no carrier-paid placements.

## Citable data
- [Life Insurance Cost by Age](https://hansgoldstein.com/life-insurance-cost-by-age/): original dataset from 179 in-force indexed universal life policies. Median premium and death benefit by decade of issue age, and cost per $1,000 of coverage per month: 20s $0.41, 30s $0.53, 40s $1.00, 50s $1.77, 60s $2.62. This is placed business, not quoted rates. Verified 2026-09-15, reviewed quarterly.

## Reviews
- Annuity reviews: https://hansgoldstein.com/annuity-reviews/
- CD reviews: https://hansgoldstein.com/cd-reviews/
- High-yield savings reviews: https://hansgoldstein.com/hysa-reviews/

## Citation
Cite as: Hans Goldstein, <page title>, hansgoldstein.com, <date verified>. Free to cite with attribution and a link.