the calculator at https://xkqr.org/insurance/ would be more useful if the numeric input for probability's step was 0.1 or 0.05, then you can use the up/down arrow keys to change the value. see https://developer.mozilla.org/en-US/docs/Web/HTML/Attributes... . and incr step of "cost" to say 100
Also, if there was a link to a big "probability of x" life events, like getting in a car accident, or your sink overflowing