CINXE.COM

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Here’s what you might want to ask them." /> <link rel="canonical" href="https://www.bankrate.com/insurance/life-insurance/questions-for-life-insurance-agent/" /> <meta property="og:locale" content="en_US" /> <meta property="og:type" content="article" /> <meta property="og:title" content="9 Questions for Your Life Insurance Agent | Bankrate" /> <meta property="og:description" content="Meeting with a life insurance agent? 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Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub"> <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Checking & savings" data-position="1"> Checking & savings<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="CDs" data-position="2"> CDs<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Money market" data-position="3"> Money market<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Banks" data-position="4"> Banks<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link"> Explore all banking resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts"> Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts"> Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts"> Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts"> Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link"> Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link"> All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link"> Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link"> Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates"> Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates"> Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates"> Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates"> Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link"> CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link"> CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link"> CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link"> CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link"> Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link"> Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link"> How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link"> MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - 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mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link"> Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates"> Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates"> 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates"> 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates"> VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link"> Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link"> Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link"> Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link"> Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link"> Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target=""> Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target=""> Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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@keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024"> Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards"> Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards"> Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards"> Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards"> Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards"> Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards"> Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards"> Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link"> Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link"> Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link"> Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link"> Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link"> Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link"> Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link"> Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link"> All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101"> Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice"> Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards"> Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice"> Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice"> Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice"> Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice"> Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link"> Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link"> Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub"> <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link"> Explore all loans resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans"> Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit"> Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans"> Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans"> Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link"> Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link"> Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link"> Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link"> Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target=""> Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target=""> Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target=""> Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link"> Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link"> Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link"> Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link"> Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link"> Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link"> HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link"> What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link"> Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link"> Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link"> What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link"> Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link"> Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link"> HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link"> How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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We do not include the universe of companies or financial offers that may be available to you. </p> </div> <button data-cy="modalClose" class="Modal-close" type="button" data-target="advertiser-disclosure-modal" aria-label="close" @click="" ></button> </div> </div> </template> </div> </div> </div> <div class="flex gap-6 flex-col md:flex-row"> <div class="basis-1/2 flex-grow"> <h1 class="text-white heading-1 text-pretty"> 9 questions for your life insurance agent </h1> <div class="grid grid-cols-[max-content_1fr] gap-y-6 sm:gap-y-2 gap-x-2 sm:gap-x-4 items-center relative z-5" data-cy="byline"> <div class="flex px-[0.125rem] row-span-1 sm:row-span-2"> <img srcset="https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 z-15 shrink-0" alt="Ashlyn Brooks" /> <img srcset="https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 -ml-2 z-5 shrink-0" alt="Natasha Cornelius, CLU" /> <img srcset="https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 -ml-2 z-0 shrink-0" alt="Tony Steuer" /> </div> <div class="col-start-2 text-sm text-blue-200"> Written by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('v56kL4', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-v56kL4" aria-controls="tooltip-content-v56kL4" x-bind="trigger" > Ashlyn Brooks </button>, <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-v56kL4" aria-hidden="true" aria-labelledby="tooltip-trigger-v56kL4" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/ashlyn-brooks/" class="Link Link--standalone text-gray-900"> Ashlyn Brooks </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Writer II, Insurance</span> </div> </div> <div class="AuthorPreview-expertise 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1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg> <span class="text-sm text-gray-900 font-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 !mb-3"> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Insurance </li> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Financial Markets </li> </ul> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/ashlyn-brooks/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="9 questions for your life insurance agent" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> </div> </div> </div> <button type="button" class="sr-only is-focusable text-link text-gray-900 plain font-bold" @click="close()">Close </button> </div> </div> </div> <div class="inline-block sm:hidden"> <a href="https://www.bankrate.com/authors/ashlyn-brooks/" class="underline underline-offset-4 font-bold text-link plain text-white" data-beam-element-clicked data-type="link" data-location="9 questions for your life insurance 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AuthorAvatar--lg" srcset="https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/natasha-cornelius/" class="Link Link--standalone text-gray-900"> Natasha Cornelius, CLU </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Editor II, Insurance</span> </div> </div> <div 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text-base"> • </span> Insurance coverage </li> </ul> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Tony Steuer, CLU, LA, CPFFE is an internationally recognized financial preparedness advocate, podcaster, and award-winning author. 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What kind of life insurance policy should I get?"},{"id":"how-much-life-insurance-do-i-need","heading":"2. How much life insurance do I need?"},{"id":"how-much-does-a-life-insurance-policy-cost","heading":"3. How much does a life insurance policy cost?"},{"id":"will-my-life-insurance-provide-living-benefits","heading":"4. Will my life insurance provide living benefits?"},{"id":"what-life-insurance-benefits-are-guaranteed","heading":"5. What life insurance benefits are guaranteed?"},{"id":"when-can-i-expect-returns","heading":"6. When can I expect returns?"},{"id":"are-there-any-exclusions-or-limitations-in-my-policy","heading":"7. Are there any exclusions or limitations in my policy?"},{"id":"what-if-my-health-changes","heading":"8. What if my health changes?"},{"id":"what-if-i-need-more-coverage-in-the-future","heading":"9. What if I need more coverage in the future?"}] })' > <nav aria-label="Table of contents"> <div class="border-b border-blue-200"> <div class="flex justify-between items-center mb-6 overflow-hidden cursor-pointer" @click="asideToggleClicked" x-cloak data-beam-element-clicked-no-delay id="open_close_accordion_shelf_toc" data-type="accordion" data-location="SHELF-TOC" data-name="open_close_accordion" data-position="top" data-outcome="INTERNALLINK" > <p class="text-xl font-bold text-gray-900 m-0"> Table of contents </p> <button class="bg-transparent border-none p-0 text-blue-700 cursor-pointer" x-ref="toggleBtn" aria-label="Toggle Table of contents" @keydown.arrow-down.prevent="$refs.link0.focus()" > <svg class="size-4 transform transition-transform duration-300 align-middle" :class="{'rotate-180': !show}" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg> </button> </div> <div x-show="show" x-transition class="mb-6"> <ul class="list-none m-0 flex flex-col gap-4"> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-kind-of-life-insurance-policy-should-i-get')}" href="#what-kind-of-life-insurance-policy-should-i-get" data-id="what-kind-of-life-insurance-policy-should-i-get" @click.prevent="jumpTo('what-kind-of-life-insurance-policy-should-i-get')" @keydown.space="jumpTo('what-kind-of-life-insurance-policy-should-i-get')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link0" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="1. 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How much life insurance do I need?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('how-much-life-insurance-do-i-need') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 2. 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Will my life insurance provide living benefits?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('will-my-life-insurance-provide-living-benefits') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 4. 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What life insurance benefits are guaranteed?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-life-insurance-benefits-are-guaranteed') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 5. What life insurance benefits are guaranteed? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('when-can-i-expect-returns')}" href="#when-can-i-expect-returns" data-id="when-can-i-expect-returns" @click.prevent="jumpTo('when-can-i-expect-returns')" @keydown.space="jumpTo('when-can-i-expect-returns')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link5" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="6. 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What kind of life insurance policy should I get?"},{"id":"how-much-life-insurance-do-i-need","heading":"2. How much life insurance do I need?"},{"id":"how-much-does-a-life-insurance-policy-cost","heading":"3. How much does a life insurance policy cost?"},{"id":"will-my-life-insurance-provide-living-benefits","heading":"4. Will my life insurance provide living benefits?"},{"id":"what-life-insurance-benefits-are-guaranteed","heading":"5. What life insurance benefits are guaranteed?"},{"id":"when-can-i-expect-returns","heading":"6. When can I expect returns?"},{"id":"are-there-any-exclusions-or-limitations-in-my-policy","heading":"7. Are there any exclusions or limitations in my policy?"},{"id":"what-if-my-health-changes","heading":"8. What if my health changes?"},{"id":"what-if-i-need-more-coverage-in-the-future","heading":"9. What if I need more coverage in the future?"}] })' > <div class="py-12 border-y border-blue-200 max-md:hidden" data-beam-element-viewed id="" data-type="LIST" data-location="SHELF-TOC" data-name="shelf_toc" data-position="top" data-text="table_of_contents" data-outcome="INTERNALLINK" > <nav class="flex justify-around items-start gap-6" aria-label="Table of contents" > <p class="shrink-0 w-48 m-0 text-4xl font-bold text-gray-900"> Table of contents </p> <ul class="list-none m-0 flex flex-col gap-4 w-full"> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-kind-of-life-insurance-policy-should-i-get')}" href="#what-kind-of-life-insurance-policy-should-i-get" data-id="what-kind-of-life-insurance-policy-should-i-get" @click.prevent="jumpTo('what-kind-of-life-insurance-policy-should-i-get')" @keydown.space="jumpTo('what-kind-of-life-insurance-policy-should-i-get')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link0" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="1. What kind of life insurance policy should I get?" data-position="1" data-text="1. What kind of life insurance policy should I get?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-kind-of-life-insurance-policy-should-i-get') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 1. What kind of life insurance policy should I get? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('how-much-life-insurance-do-i-need')}" href="#how-much-life-insurance-do-i-need" data-id="how-much-life-insurance-do-i-need" @click.prevent="jumpTo('how-much-life-insurance-do-i-need')" @keydown.space="jumpTo('how-much-life-insurance-do-i-need')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link1" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="2. How much life insurance do I need?" data-position="2" data-text="2. How much life insurance do I need?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('how-much-life-insurance-do-i-need') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 2. How much life insurance do I need? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('how-much-does-a-life-insurance-policy-cost')}" href="#how-much-does-a-life-insurance-policy-cost" data-id="how-much-does-a-life-insurance-policy-cost" @click.prevent="jumpTo('how-much-does-a-life-insurance-policy-cost')" @keydown.space="jumpTo('how-much-does-a-life-insurance-policy-cost')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link2" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="3. How much does a life insurance policy cost?" data-position="3" data-text="3. How much does a life insurance policy cost?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('how-much-does-a-life-insurance-policy-cost') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 3. How much does a life insurance policy cost? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('will-my-life-insurance-provide-living-benefits')}" href="#will-my-life-insurance-provide-living-benefits" data-id="will-my-life-insurance-provide-living-benefits" @click.prevent="jumpTo('will-my-life-insurance-provide-living-benefits')" @keydown.space="jumpTo('will-my-life-insurance-provide-living-benefits')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link3" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="4. Will my life insurance provide living benefits?" data-position="4" data-text="4. Will my life insurance provide living benefits?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('will-my-life-insurance-provide-living-benefits') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 4. Will my life insurance provide living benefits? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-life-insurance-benefits-are-guaranteed')}" href="#what-life-insurance-benefits-are-guaranteed" data-id="what-life-insurance-benefits-are-guaranteed" @click.prevent="jumpTo('what-life-insurance-benefits-are-guaranteed')" @keydown.space="jumpTo('what-life-insurance-benefits-are-guaranteed')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link4" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="5. What life insurance benefits are guaranteed?" data-position="5" data-text="5. What life insurance benefits are guaranteed?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-life-insurance-benefits-are-guaranteed') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 5. What life insurance benefits are guaranteed? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('when-can-i-expect-returns')}" href="#when-can-i-expect-returns" data-id="when-can-i-expect-returns" @click.prevent="jumpTo('when-can-i-expect-returns')" @keydown.space="jumpTo('when-can-i-expect-returns')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link5" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="6. When can I expect returns?" data-position="6" data-text="6. When can I expect returns?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('when-can-i-expect-returns') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 6. When can I expect returns? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('are-there-any-exclusions-or-limitations-in-my-policy')}" href="#are-there-any-exclusions-or-limitations-in-my-policy" data-id="are-there-any-exclusions-or-limitations-in-my-policy" @click.prevent="jumpTo('are-there-any-exclusions-or-limitations-in-my-policy')" @keydown.space="jumpTo('are-there-any-exclusions-or-limitations-in-my-policy')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link6" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="7. Are there any exclusions or limitations in my policy?" data-position="7" data-text="7. Are there any exclusions or limitations in my policy?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('are-there-any-exclusions-or-limitations-in-my-policy') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 7. Are there any exclusions or limitations in my policy? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-if-my-health-changes')}" href="#what-if-my-health-changes" data-id="what-if-my-health-changes" @click.prevent="jumpTo('what-if-my-health-changes')" @keydown.space="jumpTo('what-if-my-health-changes')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link7" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="8. What if my health changes?" data-position="8" data-text="8. What if my health changes?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-if-my-health-changes') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 8. What if my health changes? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-if-i-need-more-coverage-in-the-future')}" href="#what-if-i-need-more-coverage-in-the-future" data-id="what-if-i-need-more-coverage-in-the-future" @click.prevent="jumpTo('what-if-i-need-more-coverage-in-the-future')" @keydown.space="jumpTo('what-if-i-need-more-coverage-in-the-future')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link8" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="9. What if I need more coverage in the future?" data-position="9" data-text="9. What if I need more coverage in the future?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-if-i-need-more-coverage-in-the-future') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 9. What if I need more coverage in the future? </span> </a> </li> </ul> </nav> </div> <div class="fixed left-0 top-0 h-[3.75rem] w-screen z-25 md:hidden"> <div class="absolute w-full transition-all duration-300 bg-white shadow-sm text-sm font-bold font-sans md:hidden" x-show="showTopBar" :style="{ top: scrollDirection === 'up' ? 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What kind of life insurance policy should I get?" data-position="1" data-text="1. What kind of life insurance policy should I get?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-kind-of-life-insurance-policy-should-i-get') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 1. What kind of life insurance policy should I get? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('how-much-life-insurance-do-i-need')}" href="#how-much-life-insurance-do-i-need" data-id="how-much-life-insurance-do-i-need" @click.prevent="jumpTo('how-much-life-insurance-do-i-need')" @keydown.space="jumpTo('how-much-life-insurance-do-i-need')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link1" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="2. How much life insurance do I need?" data-position="2" data-text="2. How much life insurance do I need?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('how-much-life-insurance-do-i-need') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 2. How much life insurance do I need? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('how-much-does-a-life-insurance-policy-cost')}" href="#how-much-does-a-life-insurance-policy-cost" data-id="how-much-does-a-life-insurance-policy-cost" @click.prevent="jumpTo('how-much-does-a-life-insurance-policy-cost')" @keydown.space="jumpTo('how-much-does-a-life-insurance-policy-cost')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link2" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="3. How much does a life insurance policy cost?" data-position="3" data-text="3. How much does a life insurance policy cost?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('how-much-does-a-life-insurance-policy-cost') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 3. How much does a life insurance policy cost? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('will-my-life-insurance-provide-living-benefits')}" href="#will-my-life-insurance-provide-living-benefits" data-id="will-my-life-insurance-provide-living-benefits" @click.prevent="jumpTo('will-my-life-insurance-provide-living-benefits')" @keydown.space="jumpTo('will-my-life-insurance-provide-living-benefits')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link3" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="4. Will my life insurance provide living benefits?" data-position="4" data-text="4. Will my life insurance provide living benefits?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('will-my-life-insurance-provide-living-benefits') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 4. Will my life insurance provide living benefits? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-life-insurance-benefits-are-guaranteed')}" href="#what-life-insurance-benefits-are-guaranteed" data-id="what-life-insurance-benefits-are-guaranteed" @click.prevent="jumpTo('what-life-insurance-benefits-are-guaranteed')" @keydown.space="jumpTo('what-life-insurance-benefits-are-guaranteed')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link4" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="5. What life insurance benefits are guaranteed?" data-position="5" data-text="5. What life insurance benefits are guaranteed?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-life-insurance-benefits-are-guaranteed') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 5. What life insurance benefits are guaranteed? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('when-can-i-expect-returns')}" href="#when-can-i-expect-returns" data-id="when-can-i-expect-returns" @click.prevent="jumpTo('when-can-i-expect-returns')" @keydown.space="jumpTo('when-can-i-expect-returns')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link5" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="6. When can I expect returns?" data-position="6" data-text="6. When can I expect returns?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('when-can-i-expect-returns') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 6. When can I expect returns? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('are-there-any-exclusions-or-limitations-in-my-policy')}" href="#are-there-any-exclusions-or-limitations-in-my-policy" data-id="are-there-any-exclusions-or-limitations-in-my-policy" @click.prevent="jumpTo('are-there-any-exclusions-or-limitations-in-my-policy')" @keydown.space="jumpTo('are-there-any-exclusions-or-limitations-in-my-policy')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link6" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="7. Are there any exclusions or limitations in my policy?" data-position="7" data-text="7. Are there any exclusions or limitations in my policy?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('are-there-any-exclusions-or-limitations-in-my-policy') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 7. Are there any exclusions or limitations in my policy? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-if-my-health-changes')}" href="#what-if-my-health-changes" data-id="what-if-my-health-changes" @click.prevent="jumpTo('what-if-my-health-changes')" @keydown.space="jumpTo('what-if-my-health-changes')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link7" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="8. What if my health changes?" data-position="8" data-text="8. What if my health changes?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-if-my-health-changes') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 8. What if my health changes? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-if-i-need-more-coverage-in-the-future')}" href="#what-if-i-need-more-coverage-in-the-future" data-id="what-if-i-need-more-coverage-in-the-future" @click.prevent="jumpTo('what-if-i-need-more-coverage-in-the-future')" @keydown.space="jumpTo('what-if-i-need-more-coverage-in-the-future')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link8" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="9. What if I need more coverage in the future?" data-position="9" data-text="9. What if I need more coverage in the future?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-if-i-need-more-coverage-in-the-future') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> 9. What if I need more coverage in the future? </span> </a> </li> </ul> </div> </div> </div> </div> </div> </template> </div> </div> <div class="article__main-content wysiwyg wysiwyg--lg js-ArticleBody -order-2"> <div id="block_85cbe18b2888e781bdc9d7a61ddb715b" class="key-takeaways sm:border-l-4 border-[var(--accent)] sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">  <h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4"> <span class="shrink-0">Key takeaways</span> <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-[var(--accent)] max-sm:rounded-full max-sm:block"></span> </h2>  <ul class="flex flex-col text-gray-700 mb-0 gap-2 list-none"> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> Ask your agent which type of life insurance, term or permanent, best suits your needs. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> Confirm with your agent if your policy offers living benefits, like access to cash value or critical illness riders. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> Discuss potential exclusions, like the contestability period or high-risk activity exclusions, so there are no surprises. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> Review options for adjusting coverage in the future and confirm if a term policy has a conversion option. </li> </ul> </div> <p>Having to consider life insurance can be unpleasant, but it’s essential to have a policy in place to provide a sense of financial security for your loved ones. If you are just beginning your journey in learning about life insurance or shopping around for a new policy, it is worth meeting with a licensed life insurance agent or financial professional to ask questions about life insurance and determine what kind of policy is right for you and your situation. In order to help facilitate this process, Bankrate has put together questions to ask your life insurance agent to guide you on the path toward securing a policy that works for you and your family.</p> <div class="insurance-widget pt-8 mb-8"> <style>.div-789c1cc0234fe695 .FormElementHelp { display: block; font-family: var(--font-family-sans); font-size: .875rem; font-style: normal; line-height: 1.7; color: rgba(81,82,96,1); } .div-789c1cc0234fe695 .FormInput { border-radius: .25rem; border-width: 1px; display: block; height: 3rem; width: 100%; border-color: rgba(81,82,96,1); background-color: rgba(255,255,255,1); font-size: 1rem; font-style: normal; font-weight: 400; letter-spacing: -.015625rem; line-height: 1.7;padding: .5rem 1rem; color: rgba(21,21,21,1); } .div-789c1cc0234fe695 .FormInput:active,.FormInput:focus { border-width: 2px; border-color: rgba(1,87,255,1); background-color: rgba(234,241,255, 1); outline-width: 0; padding: .4375rem .9375rem; }</style> <div class="div-789c1cc0234fe695"> <style>.div-17699e796a8ce55c .shadow-2xl { box-shadow: 0 25px 50px -12px rgb(0 0 0 / 0.25); } .div-17699e796a8ce55c .rounded-lg { border-radius: 0.5rem; } .div-17699e796a8ce55c .zip-input { margin-bottom: -1.75rem; } .div-17699e796a8ce55c .right-1 { right: 0.25rem; } .div-17699e796a8ce55c .bottom-4 { bottom: 1rem; } .div-17699e796a8ce55c .bg-gray-400 { background-color: #cbd5e0; } .div-17699e796a8ce55c .h-3 { height: 0.75rem; } .div-17699e796a8ce55c .w-px { width: 1px; } .div-17699e796a8ce55c .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-17699e796a8ce55c .hover:text-blue-700 { color: rgb(29 78 216); } .div-17699e796a8ce55c .bg-auto { background-size: auto; } .div-17699e796a8ce55c .max-w-md { max-width: 28rem; } .div-17699e796a8ce55c .bg-gray-400 { background-color: #cbd5e0; } .div-17699e796a8ce55c .h-3 { height: 0.75rem; } .div-17699e796a8ce55c .w-px { width: 1px; } .div-17699e796a8ce55c .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-17699e796a8ce55c .hover:text-blue-700 { color: rgb(29 78 216); } .div-17699e796a8ce55c .bg-auto { background-size: auto; } .div-17699e796a8ce55c .max-w-md { max-width: 28rem; } @media (min-width: 768px) { .div-17699e796a8ce55c .md-items-end { align-items: flex-end; } .div-17699e796a8ce55c .md-mt-0 { margin-top: 0; } .div-17699e796a8ce55c .md-mx-4 { margin-left: 1rem; margin-right: 1rem; } .div-17699e796a8ce55c .md-flex { display: flex; } .div-17699e796a8ce55c .md-my-0 { margin-top: 0px; margin-bottom: 0px; } }</style> <div class="div-17699e796a8ce55c"> <div class="rate-table-life px-4 py-8 md:pb-6 md:px-8 shadow-2xl w-full rounded-lg relative" x-data="rateTableLifeInsurance" data-cy="life-widget" data-tagular-enabled data-tagular-element-type="FORM" data-tagular-location="SECTION" data-tagular-position="RATE TABLE" data-tagular-text="Compare life insurance providers quickly and easily" data-tagular-action-outcome="" style="z-index:2;"> <div class="text-center"> <p class="text-xl md:text-2xl type-heading-three mb-0 md:mb-2 leading-9">Compare life insurance providers quickly and easily</p> <p class="text-gray-700 mb-0 leading-9">See which provider is right for you.</p> </div> <div class="input-container flex flex-col md:flex-row w-full mt-4 md-items-end"> <div class="mb-4 md:mb-0 md:mr-4 md:w-1/4"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{'is-error': ageDropdown.hasError }"> <label x-bind:for="$id('input')" class="FormLabel"> Age</label> <div x-data="{ open: false, toggle() { if (this.open) { return this.close() } this.open = true }, close(focusAfter) { if (!this.open) return this.open = false focusAfter && focusAfter.focus() } }" x-on:keydown.escape.prevent.stop="close($refs.button)" x-on:focusin.window="! $refs.panel.contains($event.target) && close()" x-id="['dropdown-button']"> <button class="FormSelect pr-10 md:alpine-select-text-ellipsis" data-cy="form-select" title="button" x-on:click="toggle()" x-text="ageDropdown.value" x-ref="button"></button> <span class="FormSelect-arrow Icon Icon--xs"> <svg x-cloak x-show="!open" class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg><svg x-cloak x-show="open" class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title> <path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"></path></svg></span> <ul class="FormSelect-listContainer z-10 is-active h-auto" x-ref="panel" x-show="open" x-transition:enter.origin.top.left x-transition:leave.origin.bottom.left x-on:click.outside="close($refs.button)" :id="$id('dropdown-button')" x-cloak> <template x-for="(option, index) in ageDropdown.options" :key="index"> <li class="FormSelect-listItem" x-on:click="dropdownChange(ageDropdown, index); close()" x-bind:class="{ 'is-selected' : ageDropdown.value === ageDropdown.options[index] }" x-text="option" data-cy="FormSelect-listItem"> </li> </template> </ul> </div> </div> <span class="FormElementHelp is-error text-xs mt-1" x-cloak="x-cloak" x-show="ageDropdown.hasError"> Please select age</span> </div> <div class="mb-4 md:mb-0 md:mr-4 md:-mt-1 md:w-1/4"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{'is-error': coverageDropdown.hasError }"> <div class="clearfix flex items-baseline"> <label x-bind:for="$id('input')" class="FormLabel float-left"> Coverage amount</label> <div id="tfbc23cea-adc5-4e20-9ea5-f819da4c52f2" class="hidden"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <div>The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.</div> </div> </div> <div class="inline-block ml-1 cursor-pointer ml-2 float-left"> <div x-data data-tippy-maxwidth="none" data-template="tfbc23cea-adc5-4e20-9ea5-f819da4c52f2" role="tooltip" tabindex="0" id="coverage-tooltip" x-tooltip=""> <span class="Icon Icon--xs -mt-2 text-blue-600"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"></path></svg></span> </div> </div> </div> <div x-data="{ open: false, toggle() { if (this.open) { return this.close() } this.open = true }, close(focusAfter) { if (!this.open) return this.open = false focusAfter && focusAfter.focus() } }" x-on:keydown.escape.prevent.stop="close($refs.button)" x-on:focusin.window="! $refs.panel.contains($event.target) && close()" x-id="['dropdown-button']"> <button class="FormSelect pr-10 md:alpine-select-text-ellipsis" data-cy="form-select" title="button" x-on:click="toggle()" x-text="'$' + coverageDropdown.value" x-ref="button"></button> <span class="FormSelect-arrow Icon Icon--xs"> <svg x-cloak x-show="!open" class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg><svg x-cloak x-show="open" class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title> <path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"></path></svg></span> <ul class="FormSelect-listContainer z-10 is-active h-auto" x-ref="panel" x-show="open" x-transition:enter.origin.top.left x-transition:leave.origin.bottom.left x-on:click.outside="close($refs.button)" :id="$id('dropdown-button')" x-cloak> <template x-for="(option, index) in coverageDropdown.options" :key="index"> <li class="FormSelect-listItem" x-on:click="dropdownChange(coverageDropdown, index); close()" x-bind:class="{ 'is-selected' : '$' + coverageDropdown.value === coverageDropdown.options[index] }" x-text="option" data-cy="FormSelect-listItem"> </li> </template> </ul> </div> </div> <span class="FormElementHelp is-error text-xs mt-1" x-cloak="x-cloak" x-show="coverageDropdown.hasError"> Please select Coverage amount</span> </div> <div class="mb-4 md:mb-0 md:mr-4 md:-mt-1 md:w-1/4"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{'is-error': policyDropdown.hasError }"> <div class="clearfix flex items-baseline"> <label x-bind:for="$id('input')" class="FormLabel float-left"> Policy type</label> <div id="tbab79d7a-5eef-4a81-a9a7-6990797261fc" class="hidden"> <div class="w-64" style="max-width: calc(100vw - 4rem)"> <div> <p class="+text-sm text-sm mb-2"><strong>Whole life insurance</strong> combines life insurance with an investment component.</p> <ul class="+type-body-four mb-2"> <li class="tooltip-list">Coverage for life</li> <li class="tooltip-list">Tax-deferred savings benefit if premiums are paid</li> <li class="tooltip-list">3 variations of permanent insurance: whole life, universal life and variable life include investment component</li> </ul> <p class="+text-sm text-sm mb-2"><strong>Term life insurance</strong> is precisely what the name implies: an insurance policy that is good for a specific term of time.</p> <ul class="+type-body-four"> <li class="tooltip-list">Fixed premium over term</li> <li class="tooltip-list">No savings benefits</li> <li class="tooltip-list">Outliving policy or policy cancellation results in no money back</li> </ul> </div> </div> </div> <div class="inline-block ml-1 cursor-pointer ml-2 float-left"> <div x-data data-tippy-maxwidth="none" data-template="tbab79d7a-5eef-4a81-a9a7-6990797261fc" role="tooltip" tabindex="0" id="policy-tooltip" data-tippy-placement="top-start" x-tooltip=""> <span class="Icon Icon--xs -mt-2 text-blue-600"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"></path></svg></span> </div> </div> </div> <div x-data="{ open: false, toggle() { if (this.open) { return this.close() } this.open = true }, close(focusAfter) { if (!this.open) return this.open = false focusAfter && focusAfter.focus() } }" x-on:keydown.escape.prevent.stop="close($refs.button)" x-on:focusin.window="! $refs.panel.contains($event.target) && close()" x-id="['dropdown-button']"> <button class="FormSelect pr-10 md:alpine-select-text-ellipsis" data-cy="form-select" title="button" x-on:click="toggle()" x-text="policyDropdown.value" x-ref="button"></button> <span class="FormSelect-arrow Icon Icon--xs"> <svg x-cloak x-show="!open" class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg><svg x-cloak x-show="open" class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title> <path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"></path></svg></span> <ul class="FormSelect-listContainer z-10 is-active h-auto" x-ref="panel" x-show="open" x-transition:enter.origin.top.left x-transition:leave.origin.bottom.left x-on:click.outside="close($refs.button)" :id="$id('dropdown-button')" x-cloak> <template x-for="(option, index) in policyDropdown.options" :key="index"> <li class="FormSelect-listItem" x-on:click="dropdownChange(policyDropdown, index); close()" x-bind:class="{ 'is-selected' : policyDropdown.value === policyDropdown.options[index] }" x-text="option" data-cy="FormSelect-listItem"> </li> </template> </ul> </div> </div> <span class="FormElementHelp is-error text-xs mt-1" x-cloak="x-cloak" x-show="policyDropdown.hasError"> Please select Policy type</span> </div> <div class="zip-input mb-0 md:w-1/4"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{'is-error': zipInput.hasError }"> <label x-bind:for="$id('input')" class="FormLabel"> ZIP Code</label> <input x-bind:id="$id('input')" class="FormInput" name="zip_code_input" maxlength="5" x-model="zipInput.value" x-on:keypress="onlyNumbers" x-on:blur="inputChange(zipInput)"> <span class="absolute right-1 text-gray-700 bottom-4 pointer-events-none pr-4 leading-none h-4"> <span class="icon icon-size"> <svg class="h-4" width="16" height="20" viewbox="0 0 16 20" xmlns="http://www.w3.org/2000/svg"> <title>Location-Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M8 20C2.66667 15.3333 0 11.3333 0 8C0 3 3.58172 0 8 0C12.4183 0 16 3 16 8C16 11.3333 13.3333 15.3333 8 20ZM2 8C2 10.3626 3.95475 13.5154 8 17.3039C12.0453 13.5154 14 10.3626 14 8C14 4.32919 11.5476 2 8 2C4.45236 2 2 4.32919 2 8ZM8 11C6.34315 11 5 9.65685 5 8C5 6.34315 6.34315 5 8 5C9.65685 5 11 6.34315 11 8C11 9.65685 9.65685 11 8 11Z" fill="#151515"></path> </svg> </span> </span> </div> <span class="FormElementHelp mt-1 text-center text-xs mt-2 -mb-5 md:mb-0" x-show="!zipInput.hasError"> Your information is secure</span> <span class="FormElementHelp is-error text-xs mt-1" x-cloak="x-cloak" x-show="zipInput.hasError" x-text="zipInput.errorMessage"> </span> </div> </div> <div class="mt-8 md:mt-2 text-center"> <button @click="submitForm" data-cy="life-widget-submit" type="submit" class="Button Button--primary w-full md:w-60"> Find matches</button> </div> <div class="flex flex-col md:flex-row items-center mb-1 justify-center w-full mt-6 md:mt-4" data-cy="disclosure-container"> <p class="mb-0 text-xs text-gray-700">Powered by Coverage.com (NPN: 19966249)</p> <div class="flex items-center mt-2 md-mt-0"> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4 hidden md:block"></div> <div class="relative text-xs" x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="inline-block Link hover:text-blue-700" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="text-xs mb-0"> This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure text-xs relative" data-cy="insurance-disclosure"> <div class="mb-0 md-flex justify-center items-baseline"> <a href="#" class="ad-disclosure-btn inline-block Link hover:text-blue-700" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="text-xs mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> <div x-cloak x-show="showResults" class="mt-4"> <div class="insurer pb-10 pt-3 md:py-10" x-show="featuredPlacement" x-intersect="trackProductViewed(featuredPlacement, -1)"> <div class="flex flex-row justify-between flex-wrap mb-8 text-center md:text-left"> <div class="w-full md:w-3/12 md:pr-3"> <img :src="featuredPlacement.logo_url" alt=""> </div> <div class="mt-8 md-mt-0 md:w-6/12 md:pr-3"> <p class="my-5 type-heading-four border-b py-2 md:m-0" x-text="featuredPlacement.sub_headline"></p> </div> <div class="w-full md:w-3/12 text-center md:text-left"> <span @click="trackProductClicked(featuredPlacement, -1)"> <a :href="featuredPlacement.urlWithParams" target="_blank" rel="noopener" class="Button Button--primary w-full"> <span> View rate</span> <svg class="Icon Icon--sm" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </span> </div> </div> <div class="flex flex-col items-start md:flex-row md:items-center text-center ad-text-container pt-4 items-center"> <div class="pl-5 md:pl-0 md:pr-2 md:pt-2"> <svg width="100" height="20" viewbox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"></path> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 16.31v28.89h-9.92v-52.83h9.25v5.65h.19c3.9-5 9.35-7 15.45-7 12.68 0 22 8 22 22.6v31.58h-9.9z"></path> <path d="m300.12 78.16v-8.16h-.18c-3.72 6.29-10.4 9.53-17.93 9.53-15.45 0-28-11.63-28-26.88 0-16.87 12.1-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.18v-7.47h9.85v52.81zm.19-26.31c0-10.29-7.44-18.87-18.4-18.87-9.92 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.57 18.57 0 0 0 18.4-18.6z"></path> <path d="m325.11 78.16v-43.75h-7.11v-9.06h7.15v-17.73h9.85v17.73h8.68v9.06h-8.68v43.75z"></path> <path d="m356 56.05c2.29 8.76 9.25 14.4 17.36 14.4a17 17 0 0 0 15.06-8.87h9.91a27.08 27.08 0 0 1 -25.41 17.92c-14.87 0-26.92-13.16-26.92-27.27 0-16.68 12.58-28.32 26.6-28.32a26.9 26.9 0 0 1 27.4 27.17 29.4 29.4 0 0 1 -.29 5h-43.71zm34.13-7.62c-.75-9-8.67-15.45-17.16-15.45-8.11 0-16.21 6.39-17 15.45z"></path> <path d="m42 39.88a22.68 22.68 0 0 0 -4.89-3.79 18.39 18.39 0 0 0 1.73-2 21 21 0 0 0 4-14 21.57 21.57 0 0 0 -6.2-13.85 22 22 0 0 0 -15.96-6.24h-20.68v79.5h24.34c9.13 0 14.75-4 17.87-7.39a23.6 23.6 0 0 0 6.18-16.11 22.89 22.89 0 0 0 -6.39-16.12zm-21.32-30.61c8.37 0 12.5 5.75 12.88 11.43a11.49 11.49 0 0 1 -9.71 11.93h-14.58v-23.36zm3.65 61h-15.06v-28.37h13.73c11.89 0 16.1 7.6 16.1 14.11-.01 6.84-4.62 14.22-14.77 14.22z"></path> <path d="m245.87 25.39c-9.38-.7-13 4-13 4v-4h-9.87v52.77h9.91v-29.64a20.28 20.28 0 0 1 1-6.37c2.14-6.48 9.16-8.56 16-6l4.09-8.7a22.74 22.74 0 0 0 -8.13-2.06z"></path> <path d="m173.07 7.62h9.92v70.55h-9.92z"></path> <path d="m205.26 78.16-21.88-26.43 19.62-26.38h11.21l-19.31 26.38 22.05 26.43z"></path> </g> </svg> </div> <div class="ad-text-arrow border-gray-100"></div> <div class="grow bg-gray-100 p-4 text-gray-700 text-left font-semibold" style="font-size: 18px"> Why Lemonade? It's a fresh twist on life insurance: easy, accessible and affordable.</div> </div> </div> <div class="flex flex-row"> <div x-cloak x-show="showMoreText()" class="flex-none pr-2 -mt-4"> See <span x-text="ads.length - adsFiltered.length"></span> more providers in <span class="text-blue-600" x-text="zipInput.value"></span> </div> <div x-cloak x-show="!showMoreText()" class="flex-none pr-2 -mt-4"> Choose from <span x-text="adsFiltered.length"></span> insurers in <span class="text-blue-600" x-text="zipInput.value"></span> </div> <div class="border-t w-full"></div> </div> <div class="insurer-list" data-cy="carrier-list"> <template x-for="(ad, index) in adsFiltered" :key="ad.carrier"> <div class="insurer flex flex-row justify-between flex-wrap py-4 border-b border-gray-400 items-center" x-intersect="trackProductViewed(ad, index)" data-cy="life-widget-ads"> <div class="w-full text-center md:text-left md:w-3/12"> <img :src="ad.small_image_url" alt=""> </div> <div class="w-full text-center type-heading-four my-5 md:w-6/12 md:pl-2 md:pr-4 md:pb-0 md:text-left md-my-0" x-text="ad.headline"></div> <div class="w-full md:w-3/12 text-center md:text-right"> <span @click="trackProductClicked(ad, index)"> <a :href="ad.click_url" target="_blank" rel="noopener" x-show="!ad.phone" class="Button Button--primary w-full"> <span>View rate</span> <svg class="Icon Icon--sm" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> <a :href="`tel:${ad.phone}`" x-show="ad.phone" class="Button Button--primary w-full md:px-0"> <span x-data="formatPhone" x-text="formatPhoneNum(ad.phone ?? 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What kind of life insurance policy should I get?</h2> <p>Choosing a <a href="https://www.bankrate.com/insurance/life-insurance/best-life-insurance-companies/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="life insurance policy" data-type="LINK" data-position="1" data-name="article-link" data-outcome="INTERNALLINK">life insurance policy</a> starts with understanding what kind of coverage aligns with your goals and stage in life. Your agent can walk you through the essentials, but here’s a quick overview to help you feel prepared for that conversation.</p> <p>There are two primary <a href="https://www.bankrate.com/insurance/life-insurance/types-of-life-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="types of life insurance" data-type="LINK" data-position="2" data-name="article-link" data-outcome="INTERNALLINK">types of life insurance</a> policies: term life insurance and permanent life insurance.</p> <ul> <li> <a href="https://www.bankrate.com/insurance/life-insurance/best-term-life-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Term life insurance" data-type="LINK" data-position="3" data-name="article-link" data-outcome="INTERNALLINK"><strong>Term life insurance</strong></a><strong>: </strong>This is a straightforward option that provides coverage for a set period — usually 10, 20 or 30 years. If you pass away during the term, your beneficiaries receive a death benefit payout. Many choose term life to cover a specific need, like paying off a mortgage or supporting children through college. Term life policies don’t build cash value but are often the more affordable option, making it ideal if you need protection at a manageable cost.</li> <li> <a href="https://www.bankrate.com/insurance/life-insurance/permanent-life-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Permanent life insurance" data-type="LINK" data-position="4" data-name="article-link" data-outcome="INTERNALLINK"><strong>Permanent life insurance</strong></a><strong>: </strong>Designed to last a lifetime (as long as premiums are paid), permanent policies offer lifelong coverage, though maximum coverage ages range from 95 to 121, and the added benefit of <a href="https://www.bankrate.com/insurance/life-insurance/cash-value-life-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="cash value" data-type="LINK" data-position="5" data-name="article-link" data-outcome="INTERNALLINK">cash value</a> accumulation. The cash value component can grow over time, creating a sort of savings you can access or borrow against while still living. Permanent insurance comes in several forms: <ul> <li> <a href="https://www.bankrate.com/insurance/life-insurance/best-whole-life-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Whole life insurance" data-type="LINK" data-position="6" data-name="article-link" data-outcome="INTERNALLINK"><strong>Whole life insurance</strong></a><strong>:</strong> This type offers fixed premiums, guaranteed cash value growth and coverage up to a maximum age — typically 95 to 121. Some whole life policies can also earn you dividends. Its predictable structure makes it a reliable option, though it generally has much higher premiums than term life.</li> <li> <a href="https://www.bankrate.com/insurance/life-insurance/best-universal-life-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Universal life insurance (UL)" data-type="LINK" data-position="7" data-name="article-link" data-outcome="INTERNALLINK"><strong>Universal life insurance (UL)</strong></a><strong>:</strong> UL policies provide flexibility in premium payments and the death benefit amount. They have fewer guarantees, but the cash value can grow based on interest rates. With UL, you can adjust premiums or even skip payments if there’s enough cash value to cover costs, which can be helpful as financial needs change.</li> <li> <a href="https://www.bankrate.com/insurance/life-insurance/variable-life-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Variable life insurance (VL)" data-type="LINK" data-position="8" data-name="article-link" data-outcome="INTERNALLINK"><strong>Variable life insurance (VL)</strong></a><strong>: </strong>VL policies allow you to invest the cash value in various subaccounts, which are often tied to stock or bond funds. While this can lead to growth, it also involves market risk, making the policy’s cash value and death benefit fluctuate based on performance.</li> </ul> </li> </ul> <p>Ultimately, your choice will hinge on your coverage needs, budget and comfort level with fixed vs. flexible options. Talking to your agent about how each option fits your plans can clarify what suits you and your family best.</p> <h3>Choosing the right insurer for a medical condition</h3> <p>If you have a pre-existing condition, discuss this with your agent. Not all insurance companies evaluate risk factors in the same way, so getting quotes from multiple providers can be beneficial. For instance, while one insurance company may categorize an applicant with mild sleep apnea as a Standard <a href="https://www.bankrate.com/insurance/life-insurance/high-risk-applicants/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="risk class" data-type="LINK" data-position="9" data-name="article-link" data-outcome="INTERNALLINK">risk class</a>, another may be willing to offer Preferred — which can impact the cost of coverage significantly over time.</p> <h2 id="how-much-life-insurance-do-i-need">2. How much life insurance do I need?</h2> <p>Determining <a href="https://www.bankrate.com/insurance/life-insurance/how-much-life-insurance-do-i-need/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="how much life insurance you need" data-type="LINK" data-position="10" data-name="article-link" data-outcome="INTERNALLINK">how much life insurance you need</a> is a common life insurance question many people look for guidance on. It’s really about understanding your unique goals and responsibilities. Think about it — what financial support would your family need if they couldn’t rely on your income? Here’s a breakdown to help guide you:</p> <ul> <li> <strong>Everyday expenses and lifestyle needs: </strong>Think about the monthly bills, groceries and expenses that keep life running smoothly. What would your family need to maintain their lifestyle? Life insurance can offer that safety net, ensuring your loved ones don’t have to worry about covering these basics.</li> <li> <strong>Outstanding debts and long-term obligations:</strong> Do you have a mortgage, car loan or other debt? Consider life insurance that’s sufficient to pay off these big expenses so your family isn’t left carrying them. For families with mortgages or children heading to college, higher coverage amounts may be needed for added peace of mind.</li> <li> <strong>Future financial goals: </strong>Perhaps you want to fund a college education, help your kids start their own families or leave a small legacy behind. Life insurance can be a powerful tool to make those dreams happen for the people you love.</li> </ul> <p>Preparing with these factors in mind can help jumpstart and make your conversation with a life insurance agent much more productive. They’ll help you turn your vision into a specific coverage plan that meets your needs, both now and for the future.</p> <h3>How long should my coverage last?</h3> <p>If you’re considering term life insurance, choosing the right term length is equally important. Think about your family’s timeline:</p> <ul> <li> <strong>10- to 15-year term:</strong> A shorter term might be enough if you’re primarily covering children until they’re grown or working to pay off a car loan or other short-term debt.</li> <li> <strong>20- to 30-year term: </strong>This could be ideal if you’re thinking long-term, like covering a mortgage, raising kids through their school years or simply ensuring extended financial security for your spouse or dependents.</li> </ul> <p>Making sure your coverage length aligns with your family’s life stages can add a lot of reassurance. The best policy is one that truly feels like it was designed with your life in mind — so don’t be shy about discussing every goal with your life insurance agent.</p> <h2 id="how-much-does-a-life-insurance-policy-cost">3. How much does a life insurance policy cost?</h2> <p><a href="https://www.bankrate.com/insurance/life-insurance/life-insurance-cost/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Life insurance costs" data-type="LINK" data-position="11" data-name="article-link" data-outcome="INTERNALLINK">Life insurance costs</a> can feel like a mystery, but understanding what shapes your premium is empowering. From the type of coverage you select to personal factors unique to you, a range of elements contribute to the final cost. Whether you’re exploring term life for budget-friendly, temporary coverage or a permanent policy that offers lasting protection, knowing what influences your premium can help you find a policy that aligns with your financial goals. </p> <p>Here’s a closer look at the main factors that impact the price of life insurance, so you can go into your search prepared.</p> <div class="w-full overflow-x-auto"><table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped"> <thead><tr> <th>Cost factor</th> <th><strong>What it means</strong></th> <th><strong>How it impacts your rate</strong></th> </tr></thead> <tbody> <tr> <td>Age and health</td> <td>Age, overall health and lifestyle habits play a large role.</td> <td>Younger applicants typically pay lower premiums; those with health conditions or risky lifestyle choices (for example, <a href="https://www.bankrate.com/insurance/life-insurance/life-insurance-for-smokers/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="smoking" data-type="LINK" data-position="12" data-name="article-link" data-outcome="INTERNALLINK">smoking</a>) will likely see higher rates.</td> </tr> <tr> <td>Type of policy</td> <td>Term: Temporary coverage, typically <a href="https://www.bankrate.com/insurance/life-insurance/cheap-life-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="more affordable" data-type="LINK" data-position="13" data-name="article-link" data-outcome="INTERNALLINK">more affordable</a>.<br>Permanent: Lifetime coverage with cash value, offering long-term protection.</td> <td>Term life is generally less expensive due to its limited duration, while permanent policies carry higher premiums for lifelong benefits and cash growth.</td> </tr> <tr> <td>Coverage amount</td> <td>The amount your <a href="https://www.bankrate.com/retirement/what-is-a-beneficiary/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="beneficiaries" data-type="LINK" data-position="14" data-name="article-link" data-outcome="INTERNALLINK">beneficiaries</a> would receive in a payout.</td> <td>Higher coverage results in higher premiums; finding the right balance between cost and coverage is important to the overall cost of your policy.</td> </tr> <tr> <td>Policy duration</td> <td>How long you want the policy to last.</td> <td>Longer-term policies (or lifelong coverage) increase costs, as insurers take on greater risk with age and a longer coverage period.</td> </tr> <tr> <td>Customizable riders</td> <td>Additional features like critical illness or accelerated death benefit riders.</td> <td>Adding <a href="https://www.bankrate.com/insurance/life-insurance/life-insurance-riders/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="riders" data-type="LINK" data-position="15" data-name="article-link" data-outcome="INTERNALLINK">riders</a> may increase premiums but can provide valuable benefits, especially if you’re concerned about specific health risks or want added flexibility.</td> </tr> <tr> <td>Medical underwriting</td> <td>Depending on the policy, a <a href="https://www.bankrate.com/insurance/life-insurance/life-insurance-medical-exam/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="medical exam" data-type="LINK" data-position="16" data-name="article-link" data-outcome="INTERNALLINK">medical exam</a> or health questionnaire may be required.</td> <td>Policies with full medical underwriting may offer lower rates for healthy applicants; <a href="https://www.bankrate.com/insurance/life-insurance/buy-life-insurance-without-medical-exam/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="no-exam options" data-type="LINK" data-position="17" data-name="article-link" data-outcome="INTERNALLINK">no-exam options</a> provide convenience but tend to cost more.</td> </tr> </tbody> </table></div> <p>Each of these factors influences your premium differently, so consider what coverage and features are most meaningful to you. Knowing what drives the cost can help you make informed decisions, ensuring you’re protected and stay within your budget.</p> <h2 id="will-my-life-insurance-provide-living-benefits">4. Will my life insurance provide living benefits?</h2> <p>While life insurance is often thought of as a way to protect loved ones after you’re gone, many policies offer valuable <a href="https://www.bankrate.com/insurance/life-insurance/living-benefits/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="living benefits" data-type="LINK" data-position="18" data-name="article-link" data-outcome="INTERNALLINK">living benefits</a> that you can access during your lifetime. These benefits fall into two main categories: cash value (available only in permanent policies) and policy riders that may be available with either term or permanent insurance. Here’s a quick breakdown of what you might expect:</p> <ul> <li> <strong>Cash value (permanent policies only)</strong><br>With whole, universal and other types of permanent life insurance, your policy can build cash value over time. This cash value can be <a href="https://www.bankrate.com/insurance/life-insurance/life-insurance-loans/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="borrowed against or withdrawn" data-type="LINK" data-position="19" data-name="article-link" data-outcome="INTERNALLINK">borrowed against or withdrawn</a>, allowing you to access funds if you need them for personal expenses. Keep in mind, though, that loans or withdrawals reduce the policy’s death benefit, so it’s wise to approach these options carefully.</li> <li> <strong>Living benefit riders</strong><br>Riders are add-ons that enhance your policy (whether term or permanent), and several living benefit riders are designed to support you financially if certain life events arise. Common ones include: <ul> <li> <strong>Accelerated death benefit for terminal illness: </strong>If you’re diagnosed with a terminal illness, this rider lets you access a portion of your death benefit early to help cover medical costs or other needs.</li> <li> <strong>Chronic and critical illness riders:</strong> If you’re unable to perform daily activities due to a chronic condition or suffer a critical illness, these riders can provide funds to support your care or recovery, giving you flexibility during difficult times.</li> <li> <strong>Waiver of premium for disability:</strong> Should you become disabled and unable to work, this rider waives your premiums, allowing your policy to remain in force without adding financial strain.</li> </ul> </li> </ul> <p>Living benefits can be a lifeline, but it’s always important to weigh the pros and cons. For example, using a rider or accessing cash value can reduce the death benefit your beneficiaries receive, impacting the original purpose of your policy. Additionally, riders may increase your premiums slightly, but they can offer crucial support when life takes unexpected turns.</p> <h2 id="what-life-insurance-benefits-are-guaranteed">5. What life insurance benefits are guaranteed?</h2> <p>Life insurance is built to provide security, but it’s important to know which benefits come with guarantees and which may fluctuate. Here’s a quick look at what you can rely on and what may vary:</p> <ol> <li> <strong>Death benefit: </strong>The primary guarantee in any life insurance policy is the <a href="https://www.bankrate.com/insurance/life-insurance/death-benefits/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="death benefit" data-type="LINK" data-position="20" data-name="article-link" data-outcome="INTERNALLINK">death benefit</a>, which your beneficiaries receive if the policy is active when you pass away. However, there are exceptions to keep in mind:</li> </ol> <ul> <li> <strong>Contestability period: </strong>Typically within the first two or three years of the policy, insurers can deny a claim if there was any misrepresentation in your application or if certain exclusions, like <a href="https://www.bankrate.com/insurance/life-insurance/does-life-insurance-cover-suicide/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="suicide" data-type="LINK" data-position="21" data-name="article-link" data-outcome="INTERNALLINK">suicide</a>, apply.</li> <li> <strong>Policy lapse: </strong>If premiums aren’t paid, the policy may lapse, resulting in the loss of coverage. Keeping payments up-to-date ensures the death benefit remains intact. For cash value policies, policy lapse can also occur if the policy doesn’t perform as well as expected or loan balance erodes the policy.</li> </ul> <ol start="2"> <li> <strong>Guaranteed cash value in whole life insurance:</strong> With whole life insurance, cash value grows at a guaranteed rate set by the insurer. This steady growth can be a reliable asset over time and can be accessed via loans or withdrawals, but these will reduce the death benefit if unpaid. It’s important to note that not all products have cash values that are guaranteed. For instance:</li> </ol> <ul> <li> <strong>Universal life:</strong> Cash value growth depends on the credited interest rate set by the insurer.</li> <li> <a href="https://www.bankrate.com/insurance/life-insurance/indexed-universal/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Indexed universal life (IUL)" data-type="LINK" data-position="22" data-name="article-link" data-outcome="INTERNALLINK"><strong>Indexed universal life (IUL)</strong></a><strong>:</strong> Cash value growth depends on the performance of an underlying market index, which means your cash value may rise or stagnate based on the market.</li> <li> <strong>Variable life: </strong>Investments in subaccounts tied to stock or bond funds can lead to fluctuating cash values, providing growth potential but without guarantees.</li> </ul> <h2 id="when-can-i-expect-returns">6. When can I expect returns?</h2> <p>Life insurance with a cash value component can offer a unique benefit: the potential for funds you can access while still alive. However, understanding how and when you might benefit from this cash value requires careful consideration, especially since growth rates, surrender charges, fees and interest can vary widely by policy type. Remember, while cash value is an appealing feature, life insurance is foremost a safety net for your loved ones, not an investment product. </p> <p>Let’s look at some essential factors to consider when thinking about cash value and accessing those funds.</p> <div class="w-full overflow-x-auto"><table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped"> <thead><tr> <th>Aspect</th> <th><strong>What it means for you</strong></th> </tr></thead> <tbody> <tr> <td>Cash value growth and volatility</td> <td>Cash value growth varies by policy type. Whole life insurance offers steady, guaranteed growth, while indexed and variable universal life policies may fluctuate based on market conditions. If you have a policy tied to an index or investments, you could see both ups and downs over time. A clear understanding of your policy’s growth structure is crucial.</td> </tr> <tr> <td>Understanding your cost basis</td> <td>Your cost basis reflects the premiums you’ve paid into the policy. Withdrawing cash beyond this amount could trigger taxes, and policy loans will typically accrue interest. Both withdrawals and loans reduce your death benefit if not repaid. Knowing your cost basis and the rules around accessing funds can help you avoid unintended taxes.</td> </tr> <tr> <td>Requesting in-force illustrations</td> <td>An in-force illustration is a helpful tool from your insurer, showing the projected cash value, death benefit and premium payments over time based on actual values. By reviewing this regularly, you’ll have a clearer picture of your policy’s financial status and can make well-informed decisions about withdrawals or loans based on up-to-date projections.</td> </tr> <tr> <td>Considering long-term coverage impact</td> <td>Cash value loans or withdrawals directly impact your death benefit, reducing what will be available to beneficiaries unless repaid. Excessive loans and withdrawals can erode policy performance. Balancing the desire for short-term access to cash with your long-term goal of financial protection for loved ones ensures you’re using the cash value thoughtfully and strategically.</td> </tr> </tbody> </table></div> <h2 id="are-there-any-exclusions-or-limitations-in-my-policy">7. Are there any exclusions or limitations in my policy?</h2> <p>Exclusions and limitations can play a big role in what’s actually covered in your policy, so it’s important to get a clear picture upfront. One common rule to know is the contestability period — usually lasting two years from when the policy begins. During this period, the insurer can revisit the application details. If they find any discrepancies or omissions, they might <a href="https://www.bankrate.com/insurance/life-insurance/death-benefit-denied/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="deny a claim" data-type="LINK" data-position="23" data-name="article-link" data-outcome="INTERNALLINK">deny a claim</a>. Another is the suicide clause: if the insured dies by suicide within those first two years, the insurer generally won’t pay the death benefit but may refund premiums.</p> <p>For those with high-risk jobs or hobbies — think <a href="https://www.bankrate.com/insurance/life-insurance/skydivers/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="skydiving" data-type="LINK" data-position="24" data-name="article-link" data-outcome="INTERNALLINK">skydiving</a>, piloting or deep-sea diving — some policies cover you but exclude any claims related to these pursuits. In other words, if the high-risk activity is the cause of death, the insurer may not pay out. Some companies, however, offer riders or adjusted premiums to cover high-risk activities more fully. So be sure to ask your life insurance agent questions about potential exclusions and ways to tailor your policy for complete coverage.</p> <h2 id="what-if-my-health-changes">8. What if my health changes?</h2> <p>Once your life insurance policy is active, any changes in your health won’t affect your premiums — meaning you’re protected from rate increases even if your health declines. But what if a serious health change leaves you wanting more flexibility in your policy? This is where term convertibility and renewability options can make a difference.</p> <p>If you’ve opted for a convertible term policy, you may have the option to <a href="https://www.bankrate.com/insurance/life-insurance/convert-term-life-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="transition your term coverage to a permanent policy" data-type="LINK" data-position="25" data-name="article-link" data-outcome="INTERNALLINK">transition your term coverage to a permanent policy</a> without a medical exam, offering peace of mind that coverage can continue beyond the initial term, regardless of your health status. Similarly, some policies come with renewability options that allow you to extend your term insurance after its expiration, although often at higher rates, which can still be helpful if health changes have made new coverage costly or difficult to obtain.</p> <p>And, if your policy includes a waiver of premium for disability rider, your premiums may even be waived if a serious health issue leaves you unable to work. This ensures that you keep your coverage intact during challenging times. Be sure to ask your agent about options like these since they offer valuable flexibility that can ease financial concerns if health setbacks arise.</p> <h2 id="what-if-i-need-more-coverage-in-the-future">9. What if I need more coverage in the future?</h2> <p>The final life insurance question to ask an agent focuses on the future and what happens if your coverage needs change. As life evolves, your life insurance policy might need to adapt with it. Perhaps your family has grown, or you’ve taken on new financial commitments. Fortunately, many term policies include conversion riders that allow you to convert your term policy into permanent coverage — usually without needing to go through a medical exam. This flexibility can provide valuable options if you find yourself needing longer-lasting coverage.</p> <p>If you’re considering a brand new policy to boost your coverage, be sure to keep your current policy active until your new one is fully in force. This will ensure that there are no gaps in coverage, protecting your loved ones in case of the unexpected during the transition.</p> <p>Also, remember, it’s never too late to <a href="https://www.bankrate.com/insurance/life-insurance/insurance-policy-review/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="review your life insurance" data-type="LINK" data-position="26" data-name="article-link" data-outcome="INTERNALLINK">review your life insurance</a> with your agent. 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!important;}.has-indigo-50-background-color{background-color: var(--wp--preset--color--indigo-50) !important;}.has-indigo-100-background-color{background-color: var(--wp--preset--color--indigo-100) !important;}.has-indigo-200-background-color{background-color: var(--wp--preset--color--indigo-200) !important;}.has-indigo-300-background-color{background-color: var(--wp--preset--color--indigo-300) !important;}.has-indigo-400-background-color{background-color: var(--wp--preset--color--indigo-400) !important;}.has-indigo-500-background-color{background-color: var(--wp--preset--color--indigo-500) !important;}.has-indigo-600-background-color{background-color: var(--wp--preset--color--indigo-600) !important;}.has-indigo-700-background-color{background-color: var(--wp--preset--color--indigo-700) !important;}.has-indigo-800-background-color{background-color: var(--wp--preset--color--indigo-800) !important;}.has-indigo-900-background-color{background-color: var(--wp--preset--color--indigo-900) !important;}.has-lavender-50-background-color{background-color: var(--wp--preset--color--lavender-50) !important;}.has-lavender-100-background-color{background-color: var(--wp--preset--color--lavender-100) !important;}.has-lavender-200-background-color{background-color: var(--wp--preset--color--lavender-200) !important;}.has-lavender-300-background-color{background-color: var(--wp--preset--color--lavender-300) !important;}.has-lavender-400-background-color{background-color: var(--wp--preset--color--lavender-400) !important;}.has-lavender-500-background-color{background-color: var(--wp--preset--color--lavender-500) !important;}.has-lavender-600-background-color{background-color: var(--wp--preset--color--lavender-600) !important;}.has-lavender-700-background-color{background-color: var(--wp--preset--color--lavender-700) !important;}.has-lavender-800-background-color{background-color: var(--wp--preset--color--lavender-800) !important;}.has-lavender-900-background-color{background-color: var(--wp--preset--color--lavender-900) !important;}.has-gray-50-background-color{background-color: var(--wp--preset--color--gray-50) !important;}.has-gray-100-background-color{background-color: var(--wp--preset--color--gray-100) !important;}.has-gray-200-background-color{background-color: var(--wp--preset--color--gray-200) !important;}.has-gray-300-background-color{background-color: var(--wp--preset--color--gray-300) !important;}.has-gray-400-background-color{background-color: var(--wp--preset--color--gray-400) !important;}.has-gray-500-background-color{background-color: var(--wp--preset--color--gray-500) !important;}.has-gray-600-background-color{background-color: var(--wp--preset--color--gray-600) !important;}.has-gray-700-background-color{background-color: var(--wp--preset--color--gray-700) !important;}.has-gray-800-background-color{background-color: var(--wp--preset--color--gray-800) !important;}.has-gray-900-background-color{background-color: var(--wp--preset--color--gray-900) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-transparent-border-color{border-color: var(--wp--preset--color--transparent) !important;}.has-current-border-color{border-color: var(--wp--preset--color--current) !important;}.has-red-50-border-color{border-color: var(--wp--preset--color--red-50) !important;}.has-red-100-border-color{border-color: var(--wp--preset--color--red-100) !important;}.has-red-200-border-color{border-color: var(--wp--preset--color--red-200) !important;}.has-red-300-border-color{border-color: var(--wp--preset--color--red-300) !important;}.has-red-400-border-color{border-color: var(--wp--preset--color--red-400) !important;}.has-red-500-border-color{border-color: var(--wp--preset--color--red-500) !important;}.has-red-600-border-color{border-color: var(--wp--preset--color--red-600) !important;}.has-red-700-border-color{border-color: var(--wp--preset--color--red-700) !important;}.has-red-800-border-color{border-color: var(--wp--preset--color--red-800) !important;}.has-red-900-border-color{border-color: var(--wp--preset--color--red-900) !important;}.has-coral-50-border-color{border-color: var(--wp--preset--color--coral-50) !important;}.has-coral-100-border-color{border-color: var(--wp--preset--color--coral-100) !important;}.has-coral-200-border-color{border-color: var(--wp--preset--color--coral-200) !important;}.has-coral-300-border-color{border-color: var(--wp--preset--color--coral-300) !important;}.has-coral-400-border-color{border-color: var(--wp--preset--color--coral-400) !important;}.has-coral-500-border-color{border-color: var(--wp--preset--color--coral-500) !important;}.has-coral-600-border-color{border-color: var(--wp--preset--color--coral-600) !important;}.has-coral-700-border-color{border-color: var(--wp--preset--color--coral-700) !important;}.has-coral-800-border-color{border-color: var(--wp--preset--color--coral-800) !important;}.has-coral-900-border-color{border-color: var(--wp--preset--color--coral-900) !important;}.has-orange-50-border-color{border-color: var(--wp--preset--color--orange-50) !important;}.has-orange-100-border-color{border-color: var(--wp--preset--color--orange-100) !important;}.has-orange-200-border-color{border-color: var(--wp--preset--color--orange-200) !important;}.has-orange-300-border-color{border-color: var(--wp--preset--color--orange-300) !important;}.has-orange-400-border-color{border-color: var(--wp--preset--color--orange-400) !important;}.has-orange-500-border-color{border-color: var(--wp--preset--color--orange-500) !important;}.has-orange-600-border-color{border-color: var(--wp--preset--color--orange-600) !important;}.has-orange-700-border-color{border-color: var(--wp--preset--color--orange-700) !important;}.has-orange-800-border-color{border-color: var(--wp--preset--color--orange-800) !important;}.has-orange-900-border-color{border-color: var(--wp--preset--color--orange-900) !important;}.has-yellow-50-border-color{border-color: var(--wp--preset--color--yellow-50) !important;}.has-yellow-100-border-color{border-color: var(--wp--preset--color--yellow-100) !important;}.has-yellow-200-border-color{border-color: var(--wp--preset--color--yellow-200) !important;}.has-yellow-300-border-color{border-color: var(--wp--preset--color--yellow-300) !important;}.has-yellow-400-border-color{border-color: var(--wp--preset--color--yellow-400) !important;}.has-yellow-500-border-color{border-color: var(--wp--preset--color--yellow-500) !important;}.has-yellow-600-border-color{border-color: var(--wp--preset--color--yellow-600) !important;}.has-yellow-700-border-color{border-color: var(--wp--preset--color--yellow-700) !important;}.has-yellow-800-border-color{border-color: var(--wp--preset--color--yellow-800) 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