The best value per person, not per headline
Rivals advertise a low single-applicant price, then layer per-person fees until a real family of four costs more than the sticker suggested. Antigua does the opposite: $230,000 covers up to 4 people flat, and the dependent definition stretches to children up to 30, unmarried siblings of any age and parents or grandparents from 55. Count everyone who matters and the arithmetic usually lands here.