CINXE.COM

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.xl-hover-underline{color:#fcfcfc}#custom-header-wrapper .bottom-close-menu a{color:#7d7d7d}#custom-header-wrapper .region-selector-mob *{font-size:16px}#custom-header-wrapper .region-selector-mobile *{line-height:20px}#custom-header-wrapper .outline-none-all-children *{outline:none}.site-wrapper.sticky{padding-top:50px!important}.disable-scroll{overflow-y:hidden} </style> <div id="custom-header-wrapper"> <div class="region-selector-mobile fixed z-50 h-screen w-full md-hidden hidden" > <div class="mobile-region-selector-wrap w-full"> <div class="bg-white p-24px mx-20px rounded-5px mob-region-sel-holder"> <div class="text-333333 font-euclidcircularb font-bold pb-12px border-b-1 border-light text-20px"> Select Region </div> <div> <ul> <li class="mt-24px flex items-center curr-region-sel cursor-pointer active" data-curr-region="usa"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" 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src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/de-icon.svg" alt="DE" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Germany</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="in"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/in-icon.svg" alt="IN" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">India</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="au"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/au-icon.svg" alt="AU" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Australia</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="it"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/it-icon.svg" alt="IT" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Italy</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="ca"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" 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src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div></div><div class="title-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/lmasterson/" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}' target="_blank">Les Masterson </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'>Les Masterson</a><span class="author-role">Deputy Editor, Insurance</span></div></div><div class="middle-content">Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><div class="designation">Deputy Editor, Insurance </div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-mktp-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/pgusner/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Penny Gusner","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg" alt="Penny Gusner" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg' alt='Penny Gusner' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/pgusner/" target="_blank" data-mktp-link='{"clickText":"Penny Gusner","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}'>Penny Gusner</a><span class="author-role">Insurance Writer and Analyst</span></div></div><div class="middle-content">Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/pgusner/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/pennygusner/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/pennygusner\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg' alt='Penny Gusner' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/pgusner/" target="_blank" data-mktp-link='{"clickText":"Penny Gusner","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}'>Penny Gusner</a><span class="author-role">Insurance Writer and Analyst</span></div></div><div class="middle-content">Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/pgusner/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/pennygusner/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/pennygusner\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/pgusner/" data-mktp-link='{"clickText":"Penny Gusner","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Penny Gusner</a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg' alt='Penny Gusner' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/pgusner/" target="_blank" data-mktp-link='{"clickText":"Penny Gusner","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}'>Penny Gusner</a><span class="author-role">Insurance Writer and Analyst</span></div></div><div class="middle-content">Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/pgusner/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/pennygusner/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/pennygusner\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg' alt='Penny Gusner' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/pgusner/" target="_blank" data-mktp-link='{"clickText":"Penny Gusner","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}'>Penny Gusner</a><span class="author-role">Insurance Writer and Analyst</span></div></div><div class="middle-content">Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/pgusner/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/pgusner\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/pennygusner/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/pennygusner\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><span class="designation"><span class="badge-wrapper"><svg class="badge-icon-svg fact-checked-svg" width="17" height="17" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M10 19C14.9706 19 19 14.9706 19 10C19 5.02944 14.9706 1 10 1C5.02944 1 1 5.02944 1 10C1 14.9706 5.02944 19 10 19Z" fill="#4657A1" stroke="white" stroke-linecap="square"/><path d="M6.42859 10.4305L8.60002 12.5029L13.6667 7.66724" stroke="white" stroke-linecap="square" stroke-width="2px"/></svg><p class="badge-text">Fact Checked</p></span><span class="badge-pipe">|</span>Insurance Writer and Analyst </span></div></div></div></div><div class="dummy-container"></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div><div class="artice-date-v2-wrap"><p class="article-date">Updated: Aug 7, 2024, 1:27pm</p></div> <style> .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="pos-rel"> <div class="article-social-sharing" data-mktp-container='{"componentTitle":"","componentType":"Article Sharing"}'> <span data-href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Flife-insurance%2Flife-insurance-calculator%2F" class="article-social-sharing__link article-social-sharing__link--facebook" data-mktp-link='{"clickText":"Facebook Link","clickCat":"Primary","clickUrl":"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Flife-insurance%2Flife-insurance-calculator%2F","clickType":"external"}'></span> <span data-href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Flife-insurance%2Flife-insurance-calculator%2F&text=Life+Insurance+Calculator%3A+How+Much+Life+Insurance+Do+I+Need%3F" class="article-social-sharing__link article-social-sharing__link--twitter" data-mktp-link='{"clickText":"Twitter Link","clickCat":"Primary","clickUrl":"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Flife-insurance%2Flife-insurance-calculator%2F&text=Life+Insurance+Calculator%3A+How+Much+Life+Insurance+Do+I+Need%3F","clickType":"external"}'></span> <span data-href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Flife-insurance%2Flife-insurance-calculator%2F&title=Life+Insurance+Calculator%3A+How+Much+Life+Insurance+Do+I+Need%3F" class="article-social-sharing__link article-social-sharing__link--linkedin" data-mktp-link='{"clickText":"linkedin Link","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Flife-insurance%2Flife-insurance-calculator%2F&title=Life+Insurance+Calculator%3A+How+Much+Life+Insurance+Do+I+Need%3F","clickType":"external"}'></span> </div> </div> <div class="article-body wysiwyg-content inarticle-link-tracking fs-article fs-responsive-text current-article"> <p>Getting enough life insurance coverage is essential for ensuring your loved ones are taken care of financially if you die. A life insurance calculator is one way to figure out how much you need.</p> <div class="fadv-widgets" data-src="https://www.forbes.com/advisor/widgets/insurance" data-type="policy-genius" ></div> <h2>Life Insurance Calculator</h2> <p>An easy way to figure out your coverage needs is to use this life insurance calculator. Enter your annual income and how many years your dependents will need financial support, your debt, future college costs, funeral needs, savings and any other <a href="https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/">life insurance</a> coverage—and you’ll get a result immediately.</p> <h2>How Much Life Insurance Do I Need?</h2> <style>@font-face { font-family: "EuclidCircularB"; font-weight: 400; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-regular-webfont.woff2) format("woff2") } @font-face { font-family: "EuclidCircularB"; font-weight: 700; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-bold-webfont.woff2) format("woff2") } </style> <section class="exclude-eds" id="life-inc-calculator" style="display: none;" data-mktp-container='{"componentTitle":"Life Insurance Calculator","componentType":"life_insurance_calculator"}'> <div class="life-inc-calc life-inc-screen-1" data-screen="1"> <div class="life-inc-calc__head"> <div> <h2 class="life-inc-calc__head-q1-title">How much life insurance do you need?</h2> <p class="life-inc-calc__head-q1-text">Answer simple questions in our 3 step process</p> </div> <div class="life-inc-calc__img"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/life-insurance.png" alt="Life Insurance"></div> </div> <div class="life-inc-calc__body"> <div class="life-inc-calc__counter"> <div class="life-inc-calc__counter-single active"><span class="lic-count">1</span></div> <div class="stepper-line"></div> <div class="life-inc-calc__counter-single"><span class="lic-count">2</span></div> <div class="stepper-line"></div> <div class="life-inc-calc__counter-single"><span class="lic-count">3</span></div> </div> <div class="life-inc-calc__questions"> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How much annual income would your dependents need?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Add up regular expenses such as utilities, food and clothing. Also add in the cost of replacing services that you provide to your family, such as child care."></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="annual_income" id="annual_income" aria-label="How much annual income would your dependents need?"></div> </div> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How long would your dependents need financial support? </span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Use the number of years your family would need extra financial support if you were gone."></span></p> <div class="inc-answer inc-fin-rep"><input type="tel" class="form-control" maxlength="3" value="0" name="dependent_years" id="dependent_years" aria-label="How long would your dependents need financial support?"></div> </div> <div class="life-inc-calc__questions-button next-button" role="button" data-mktp-misc-click='{"clickText":"Next","clickType":"button","referenceText":""}'><span>Next</span><svg xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none" /><path d="M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z" /></svg></div> </div> </div> </div> <div class="life-inc-calc life-inc-inner life-inc-screen-2 life-inc-inner-cards__body hidden" data-screen="2"> <p class="life-inc-inner__stepper"><svg class="back-button" xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none" /><path d="M20 11H7.83l5.59-5.59L12 4l-8 8 8 8 1.41-1.41L7.83 13H20v-2z" /></svg><span>2</span>/<span>3</span></p> <p class="life-inc-inner__heading">Let's calculate your life insurance need</p> <div class="life-inc-calc__counter"> <div class="life-inc-calc__counter-single active"><span class="lic-count"><svg class="ins-check" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M5.00678 11.8232L4.83063 11.6471L4.65385 11.8226L3.23385 13.2326L3.05582 13.4094L3.23323 13.5868L8.82323 19.1768L9 19.3535L9.17678 19.1768L21.1768 7.17677L21.3536 7L21.1768 6.82322L19.7668 5.41322L19.5901 5.23653L19.4133 5.41314L9.00009 15.8165L5.00678 11.8232Z" stroke="white" stroke-width="0.5" /></svg></span></div> <div class="stepper-line active"></div> <div class="life-inc-calc__counter-single active"><span class="lic-count">2</span></div> <div class="stepper-line"></div> <div class="life-inc-calc__counter-single"><span class="lic-count">3</span></div> </div> <div class="life-inc-calc__questions"> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How much debt do you need to pay off?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Consider expenses like a mortgage, car payments, credit card debt and outstanding loans."></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="debt_payoff" id="debt_payoff" aria-label="How much debt do you need to pay off?"></div> </div> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>If you want to help with the cost of college tuition, how much would you like to cover?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="To help guide you, here are the average published costs for tuition, fees, and room and board for 2019-2020, according to the College Board: <ul> <li>Public, 2-year in-district: $12,720/year</li> <li>Public, 4-year in-state: $21,950/year</li> <li>Public, 4-year out-of-state: $38.330/year</li> <li>Private, 4-year: $49,870</li> </ul> <p>"></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="children_education" id="children_education" aria-label="If you want to help with the cost of college tuition, how much would you like to cover?"></div> </div> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How much do you want to add for burial expenses?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="According to the National Funeral Directors Association, the median cost of a funeral (with viewing and burial) is $7,640."></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="funeral_expenses" id="funeral_expenses" aria-label="How much do you want to add for burial expenses?"></div> </div> <div class="life-inc-calc__footer"><svg class="back-button" xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24" data-mktp-misc-click='{"clickText":"Go Back","clickType":"button","referenceText":""}'><path d="M0 0h24v24H0z" fill="none" /><path d="M20 11H7.83l5.59-5.59L12 4l-8 8 8 8 1.41-1.41L7.83 13H20v-2z" /></svg></p> <div class="life-inc-calc__questions-button next-button" role="button" data-mktp-misc-click='{"clickText":"Next","clickType":"button","referenceText":""}'><span>Next</span><svg xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none" /><path d="M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z" /></svg></div> </div> </div> </div> <div class="life-inc-calc life-inc-inner life-inc-screen-3 life-inc-inner-cards__body hidden" data-screen="3"> <p class="life-inc-inner__stepper"><svg class="back-button" xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none" /><path d="M20 11H7.83l5.59-5.59L12 4l-8 8 8 8 1.41-1.41L7.83 13H20v-2z" /></svg><span>3</span>/<span>3</span></p> <p class="life-inc-inner__heading">Let's calculate your life insurance need</p> <div class="life-inc-calc__counter"> <div class="life-inc-calc__counter-single active"><span class="lic-count"><svg class="ins-check" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M5.00678 11.8232L4.83063 11.6471L4.65385 11.8226L3.23385 13.2326L3.05582 13.4094L3.23323 13.5868L8.82323 19.1768L9 19.3535L9.17678 19.1768L21.1768 7.17677L21.3536 7L21.1768 6.82322L19.7668 5.41322L19.5901 5.23653L19.4133 5.41314L9.00009 15.8165L5.00678 11.8232Z" stroke="white" stroke-width="0.5" /></svg></span></div> <div class="stepper-line active"></div> <div class="life-inc-calc__counter-single active"><span class="lic-count"><svg class="ins-check" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M5.00678 11.8232L4.83063 11.6471L4.65385 11.8226L3.23385 13.2326L3.05582 13.4094L3.23323 13.5868L8.82323 19.1768L9 19.3535L9.17678 19.1768L21.1768 7.17677L21.3536 7L21.1768 6.82322L19.7668 5.41322L19.5901 5.23653L19.4133 5.41314L9.00009 15.8165L5.00678 11.8232Z" stroke="white" stroke-width="0.5" /></svg></span></div> <div class="stepper-line active"></div> <div class="life-inc-calc__counter-single active"><span class="lic-count">3</span></div> </div> <div class="life-inc-calc__questions"> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>How much savings do you have?</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Also include all investments in stocks, mutual funds, etc., that the family would want to liquidate in order to pay bills."></span></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="total_savings" id="total_savings" aria-label="How much savings do you have?"></div> </div> <div class="life-inc-calc__questions-row"> <p class="lic-question"><span>If you already have life insurance, enter the total coverage amount</span><span class="icon-tooltip popper-tooltip icon-info tooltipstered" data-content="Use your individual and workplace life insurance. Leave out your spouse’s life insurance."></span></p> <div class="inc-answer inc-anl-income"><input type="tel" class="form-control" value="0" name="coverage_amount" id="coverage_amount" aria-label="If you already have life insurance, enter the total coverage amount"></div> </div> <div class="life-inc-calc__footer"><svg class="back-button" xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24" data-mktp-misc-click='{"clickText":"Go Back","clickType":"button","referenceText":""}'><path d="M0 0h24v24H0z" fill="none" /><path d="M20 11H7.83l5.59-5.59L12 4l-8 8 8 8 1.41-1.41L7.83 13H20v-2z" /></svg></p> <div class="life-inc-calc__questions-button next-button get-result-btn" role="button" data-mktp-misc-click='{"clickText":"Get Results","clickType":"button","referenceText":""}'><span>Get Results</span><svg xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24"><path d="M0 0h24v24H0z" fill="none" /><path d="M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z" /></svg></div> </div> </div> </div> <div class="life-inc-calc life-inc-inner life-inc-screen-4 life-inc-inner-cards__body hidden" data-screen="4"> <div class="life-inc-screen-4__header"> <p class="life-inc-screen-4__header-title">Amount of life insurance needed </p> <p class="life-inc-screen-4__header-result">1,406,600 </p> </div> <div class="life-inc-screen-4__details"> <p class="life-inc-screen-4__details-heading">Details that you have entered</p> <div class="life-inc-screen-4__details-questions"> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How much annual income would your dependents need?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-annual-income">30,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How much debt do you need to pay off?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-pending-debt">160,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How long would your dependents need financial support?</p> <p class="life-inc-screen-4__details-question-answer lic-year preresult-nos-years">16 <span>years</span></p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">If you want to help with the cost of college tuition, how much would you like to cover?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-childrens-education">160,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How much do you want to add for burial expenses?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-burial-expense">160,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">How much savings do you have?</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-savings-amt">160,000</p> </div> <div class="life-inc-screen-4__details-question"> <p class="life-inc-screen-4__details-question-text">Enter total coverage amount of existing life insurance</p> <p class="life-inc-screen-4__details-question-answer lic-dollar preresult-coverage-amt">160,000</p> </div> </div> <p class="life-inc-screen-4__more life-inc-txt">Now that you have an estimate of your life insurance need, you can start comparing quotes </p> <p class="life-inc-screen-4__more no-life-inc-txt">Your savings and/or current life insurance total more than your needs. In this case, you may not need life insurance. If you want to exclude your savings or life insurance from the assets your family could spend, please lower the amounts input. </p> <div class="life-inc-screen-4__quote-wrapper"><a href="https://lifeinsurance.advisorjourney.forbes.com/" class="life-inc-screen-4__quote get-quote-block">Get Quotes</a></p> <p class="life-inc-screen-4__below-cta-text">Via Forbes Advisor's Website</p> </div> <div class="life-inc-screen-4__recalculate-wrapper" > <p class="life-inc-screen-4__recalculate" data-mktp-misc-click='{"clickText":"Recalculate","clickType":"button","referenceText":""}'><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M0 0h24v24H0z" fill="none" /><path d="M17.65 6.35C16.2 4.9 14.21 4 12 4c-4.42 0-7.99 3.58-7.99 8s3.57 8 7.99 8c3.73 0 6.84-2.55 7.73-6h-2.08c-.82 2.33-3.04 4-5.65 4-3.31 0-6-2.69-6-6s2.69-6 6-6c1.66 0 3.14.69 4.22 1.78L13 11h7V4l-2.35 2.35z" /></svg>Recalculate </p> </div> </div> </div> </section> <h2>How to Use Our Life Insurance Calculator</h2> <p>A good estimate of life insurance needs requires using a formula that includes your future financial obligations and your assets, such as savings, that your loved ones can use if you die.</p> <p>To find out how much life insurance you need, follow these steps and our life insurance calculator will do the rest.</p> <ol> <li><strong>Enter your annual income and how many years of income you want to cover.</strong> We multiply your annual income by the number of years your loved ones will need that salary.</li> <li><strong>Enter your debts and future costs you want to cover.</strong> To do this, determine how much you owe or anticipate owing for financial obligations such as a mortgage, credit card debt, loans, future educational costs and <a href="https://www.forbes.com/advisor/life-insurance/how-much-does-a-funeral-cost/">funeral expenses</a>.</li> <li><strong>Enter your savings and any current life insurance coverage.</strong> Now we want to subtract the assets your family would use if you passed away, like funds in a savings account, a retirement plan or another life insurance policy.</li> <li><strong>Results.</strong> When you use our life insurance calculator, a results page will provide an estimate of your life insurance needs along with details of what you entered.</li> </ol> <h3>Example of How Our Life Insurance Calculator Works</h3> <div class="mkpl-shortcode-instance default variation-1" data-custom-value="mkpl-tables-" data-variation="variation-1" data-mktp-container='{"componentTitle":"","componentType":"Marketplace Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="2" class="mkpl-marketplace_tables table style-1" style="text-align: left"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: left" class="primary-font">   </th> <th style="text-align: left" class="primary-font"> </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Annual income</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$50,000</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Years of replacement income you may need</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>10 years</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>10 years of replacement income</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$500,000</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Debts</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$300,000</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Savings to be spent by family</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$200,000</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><small>Total life insurance you may need</small></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><small>$600,000</small></strong></div></div> </td> </tr> </table> <div data-mktp-misc-click='{"clickText":"Silder","clickType":"Button","referenceText":""}' > <button type="button" id="left-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div><h2>Tips for Calculating How Much Life Insurance You Need</h2> <p>Keep these tips in mind when deciding your life insurance needs:</p> <ul> <li><strong>Tip No. 1: Figure out the type of life insurance you need,</strong> such as <a href="https://www.forbes.com/advisor/life-insurance/best-term-life-insurance-companies/">term life insurance</a> or <a href="https://www.forbes.com/advisor/life-insurance/permanent/">permanent life insurance</a>.</li> <li><strong>Tip No. 2: Take into account other life insurance policies,</strong> like life insurance from your employer.</li> <li><strong>Tip No. 3: Consider other life insurance benefits</strong> like <a href="https://www.forbes.com/advisor/life-insurance/riders/">life insurance riders</a>, which are optional add-ons to a policy for additional coverage. For example, you can customize a policy with a <a href="https://www.forbes.com/advisor/life-insurance/best-long-term-care-insurance/">long-term care</a> rider, waiver of premium rider, or <a href="https://www.forbes.com/advisor/life-insurance/accelerated-death-benefits/">accelerated death benefit</a> rider.</li> </ul> <h2>How to Manually Calculate How Much Life Insurance You Need</h2> <p>Besides using the life insurance needs calculator, there are other ways to estimate <a href="https://www.forbes.com/advisor/life-insurance/how-much-life-insurance-do-you-really-need/">how much life insurance you need</a>. Here are four options.</p> <ul> <li><strong>Option 1: Multiply your annual income by 10.</strong> This is the easiest way to to get an estimate, but this method could leave you underinsured because it doesn’t take into account factors like debts, a mortgage and future education needs of children.</li> <li><strong>Option 2: Multiply your annual income by more than 10.</strong> Simply multiplying your annual income by a rather random number doesn’t account for your individual situation and anticipated needs and existing assets.</li> <li><strong>Option 3: 10 times income plus $100,000 for college.</strong> If you have children with future college needs, you could multiply your income by 10 and tack on $100,000 to pay for college. But this also falls short of being a reliable method for calculating how much life insurance you need.</li> <li><strong>Option 4: The DIME method.</strong> The DIME (Debt and final expenses; Income; Mortgage; Education) method includes more life insurance factors than simply multiplying your income and provides a rough estimate, but it doesn’t take into account savings and child care costs.</li> </ul> <h2>Compare Life Insurance Quotes</h2> <p>Once you know your life insurance needs, you can start shopping for a policy. <a href="https://www.forbes.com/advisor/life-insurance/life-insurance-quotes/">Compare life insurance quotes</a> from multiple companies to see which ones offer you the best price.</p> <p>Life insurance rates vary from company to company, so comparing quotes online or working with an independent life insurance agent can help you find the best life insurance rates for your age and health.</p> <div id="cta-builder" class="cta-builder exclude-eds default dark-mode" data-mktp-container='{"componentTitle":"Compare Life Insurance Companies","componentType":"CTA Builder"}'> <div class="cta-builder__wrap "> <div class="left"> <h2 class="cta-builder__title">Compare Life Insurance Companies</h2> <p class="cta-builder__desc">Compare Policies With Leading Insurers</p> </p></div> <div class="right"> <a href="https://lifeinsurance.advisorjourney.forbes.com/" class="cta-builder__btn cta-builder-button" data-nofollow="true" data-component="Default with Blue Background" data-cta-placement="Button Link" style="background-color:#13B698" data-trellis-widget-wrapper-id = "6759dc2be4c0e" data-mktp-conversion='{"clickText":"Compare Quotes","clickUrl":"https:\/\/lifeinsurance.advisorjourney.forbes.com\/","partnerName":"Advisor Internal Journey"}' > Compare Quotes </a> </div> </p></div> </p></div>   </div> <div> </div> <div class="non-affiliate-disclosure-wrapper mt-20"> <div class="section-content wysiwyg-content"> <p> <em></em> </p> </div> </div> <style id="style_1_insurance-disclaimer-style">.compliance-disclaimer{margin:20px 0}.compliance-disclaimer .insurance-disclaimer-note{color:#333;font-family:Georgia,Arial,Helvetica,sans-serif;font-size:16px;font-style:italic;line-height:24px}@media (min-width:1024px){.compliance-disclaimer .insurance-disclaimer-note{font-size:18px}}.paid-template-single-sem-co-branded-blade .insurance-disclaimer-wrapper{padding:0 16px}@media (min-width:1024px){.paid-template-single-sem-co-branded-blade .insurance-disclaimer-wrapper{margin:0 auto;max-width:1280px;padding:0 40px}} </style> <div class="wysiwyg-content compliance-disclaimer"> <em class="insurance-disclaimer-note"> Forbes Advisor is not a licensed insurance agency. 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Insurance" data-mktp-link='{"clickText":"Term Life Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/what-is-term-life-insurance\/","clickType":"internal"}'>Term Life Insurance</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/life-insurance/whole-life-insurance/" title="Whole Life Insurance" data-mktp-link='{"clickText":"Whole Life Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/whole-life-insurance\/","clickType":"internal"}'>Whole Life Insurance</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/life-insurance/universal-life-insurance/" title="Universal Life Insurance" data-mktp-link='{"clickText":"Universal Life Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/universal-life-insurance\/","clickType":"internal"}'>Universal Life Insurance</a> </li> 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href="https://www.forbes.com/advisor/life-insurance/joint-life-insurance/" title="Joint Life Insurance" data-mktp-link='{"clickText":"Joint Life Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/joint-life-insurance\/","clickType":"internal"}'>Joint Life Insurance</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/life-insurance/accidental-death-and-dismemberment-insurance/" title="AD&D Insurance" data-mktp-link='{"clickText":"AD&D Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/accidental-death-and-dismemberment-insurance\/","clickType":"internal"}'>AD&D Insurance</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/life-insurance/term-life-vs-whole-life-insurance/" title="Term Life Vs. 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Policy" data-mktp-link='{"clickText":"$1 Million Life Insurance Policy","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/million-dollar-life-insurance-cost\/","clickType":"internal"}'>$1 Million Life Insurance Policy</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/life-insurance/500000-life-insurance-cost/" title="$500,000 Life Insurance Policy" data-mktp-link='{"clickText":"$500,000 Life Insurance Policy","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/500000-life-insurance-cost\/","clickType":"internal"}'>$500,000 Life Insurance Policy</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/life-insurance/250000-life-insurance-cost/" title="$250,000 Life Insurance Policy" data-mktp-link='{"clickText":"$250,000 Life Insurance 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Insurance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/30-year-term-life-insurance\/","clickType":"internal"}'>30-Year Term Life Insurance</a> </li> </ul> </div> </div> </div> </div> <div class="right-rail__display"></div> <div class="right-rail__content"> </div> </div> </div> </div> </div> <div class="regular-template__container"> <section class="best-cards" data-mktp-container='{"componentTitle":"Next Up In Life Insurance","componentType":"Next Up Section"}'> <h3> Next Up In <span>Life Insurance</span> </h3> <ul> <li> <a title="Best Life Insurance Companies " href="https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/" data-mktp-link='{"clickText":"Best Life Insurance Companies ","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/best-life-insurance-companies\/","clickType":"internal"}'> Best Life Insurance Companies </a> </li> <li> <a title="Cheapest Life Insurance Companies " href="https://www.forbes.com/advisor/life-insurance/cheap-life-insurance/" data-mktp-link='{"clickText":"Cheapest Life Insurance Companies ","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/cheap-life-insurance\/","clickType":"internal"}'> Cheapest Life Insurance Companies </a> </li> <li> <a title="Best Term Life Insurance " href="https://www.forbes.com/advisor/life-insurance/best-term-life-insurance-companies/" data-mktp-link='{"clickText":"Best Term Life Insurance ","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/best-term-life-insurance-companies\/","clickType":"internal"}'> Best Term Life Insurance </a> </li> <li> <a title="Best Instant No-Exam Life Insurance " href="https://www.forbes.com/advisor/life-insurance/best-no-exam-life-insurance/" data-mktp-link='{"clickText":"Best Instant No-Exam Life Insurance 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src="https://www.forbes.com/advisor/wp-content/uploads/2023/02/MeeraPal-scaled.jpg" alt="Meera Pal"></span> <span>By <strong>Meera Pal</strong></span> </div> </div> </a> </div> </div> </div> </div> </div> <div class="rafeed__container"> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="authorbio" data-mktp-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="authorbio__wrap primary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/author/lmasterson/" title="Les Masterson" target="_blank" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'> <img loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/Les-Masterson-88x88.jpg" alt="Les Masterson" width="50px" height="50px"> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/author/lmasterson/" target="_blank" class="authorbio__name" data-mktp-link='{"clickText":"Les Masterson","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/","clickType":"internal"}'> Les Masterson </a> <div class="authorbio__role">Deputy Editor, Insurance</div> </div> </div> <div class="authorbio__bottom"> <p>Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before covering insurance, Les was a news editor and reporter for Patch and Community Newspaper Company and also covered health care, mortgages, credit cards and personal loans for multiple websites.</p> </div> </div> </div> <div class="article_published_date"> </div> </div> </div> <div class="ng-scope forbes-media-footer"> <footer class="clearfix shared-footer "> <div class="row-inner footer-gap "> <div class="footer-logo"> <a href="https://www.forbes.com/" target="_self" class="logo logo-footer flex justify-center" aria-label="forbes"> <svg width="120" height="32" fill="#181716" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"> <path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path> </svg> </a> <span class="copy ng-binding">© 2024 Forbes Media LLC. 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"string" && str !== ''; } function isSet(val) { switch (typeof val) { case "string": return isStringSet(val); case "object": return val !== null; case "number": case "boolean": return true; default: return false; } } return { isStringSet: isStringSet, isSet: isSet }; })(); var eventLib = (function () { function addEvent(elem, type, eventHandle) { if (elem.addEventListener) { elem.addEventListener(type, eventHandle, false); } else if (elem.attachEvent) { elem.attachEvent("on" + type, eventHandle); } elem = null; // Handle Memory Leak } function removeEvent(elem, type, eventHandle) { if (elem.removeEventListener) { elem.removeEventListener(type, eventHandle); } else if (elem.detachEvent) { elem.detachEvent('on' + type, eventHandle); } elem = null; } return { addEvent: addEvent, removeEvent: removeEvent, }; })(); var hintUtil = (function (util) { function injectHostNameHint(hint, hostname) { if (util.isStringSet(hostname)) { try { var link = document.createElement("link"); link.rel = hint; link.href = hostname; var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); 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";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } 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visibility; } } function getSizeArray(placeholderId) { try { var currentDeviceConfig = dfpConfig[deviceType]; // Eg: dfpConfig['1'] if (!!currentDeviceConfig && !!currentDeviceConfig[placeholderId]) { var placeholderObj = currentDeviceConfig[placeholderId]; //eg: dfpConfig['1']['rec'] return placeholderObj.size || []; } } catch (error) { console.log('Error while creating size array', error); } return []; } function getcssClass(placeholderId) { try { deviceType = getDeviceTypeInNumber(deviceType); var currentDeviceConfig = dfpConfig[deviceType]; // Eg: dfpConfig['1'] if (!!currentDeviceConfig && !!currentDeviceConfig[placeholderId]) { var placeholderObj = currentDeviceConfig[placeholderId]; //eg: dfpConfig['1']['rec'] return placeholderObj.cssClass || ''; } } catch (error) { console.log('Error while returning cssClass ', error); } return ''; } function getPageIndex(articleIndex, currentRowIndex) { var totalSlides = currentRowIndex; for (var ai = 0; ai < articleIndex; ai++) { totalSlides += slidesCountMap[ai]; } return totalSlides; } window.placeHolderMap = {}; window.slidesCountMap = {}; function generatePlaceHolders(parentID) { try { var parentID = parentID || false; var placeholderClassList = [], placeholderIDList = []; var currentDeviceConfig = dfpConfig[deviceType]; for (placeholderId in currentDeviceConfig) { if (currentDeviceConfig.hasOwnProperty(placeholderId)) { placeholderIDList.push(placeholderId); placeholderClassList.push(currentDeviceConfig[placeholderId].cssClass); } } generatePlaceholderDivsAndMapping(parentID, placeholderClassList, placeholderIDList); } catch (error) { console.log('Error generatePlaceHolders', error); } } //this function will generate placeholder divs and mapping for lazy loading function generatePlaceholderDivsAndMapping(parentID, placeholderClassList, placeholderIDList) { var articleRowList = null; if (parentID) { var el = document.getElementById(parentID); articleRowList = el.getElementsByClassName("article-row"); } else { articleRowList = document.getElementsByClassName("article-row"); } if (articleRowList.length !== 0) { var articleIndex = articleRowList[0].getAttribute('data-page'); slidesCountMap[articleIndex] = articleRowList.length; } var placeholderCounterMap = {}; for (var row = 0; row < articleRowList.length; row++) { var articleRow = articleRowList[row]; var articleIndex = articleRow.getAttribute('data-index'); var pageIndex = articleRow.getAttribute('data-page'); var placeholderIndexMapKey = pageIndex + "" + articleIndex; if (!placeholderIndexMap[placeholderIndexMapKey]) { placeholderIndexMap[placeholderIndexMapKey] = {}; } for (var pindex = 0; pindex < placeholderClassList.length; pindex++) { var placeholderClass = placeholderClassList[pindex]; var placeholderID = placeholderIDList[pindex]; if (!placeholderCounterMap[placeholderID]) { placeholderCounterMap[placeholderID] = 0; //{recx: 0 } } if (!placeholderIndexMap[placeholderIndexMapKey][placeholderID]) { placeholderIndexMap[placeholderIndexMapKey][placeholderID] = []; } var placeholderDivs = articleRow.getElementsByClassName(placeholderClass); //loop placeholder divs for (var ph = 0; ph < placeholderDivs.length; ph++) { //{01: {recx: []}} placeholderIndexMap[placeholderIndexMapKey][placeholderID].push(placeholderCounterMap[placeholderID]); //generate divs var placeholder = document.createElement("div"); var id = placeholderID + '-' + pageIndex + '-' + placeholderCounterMap[placeholderID]; //recx-0-1 placeholder.id = id; // placeholder.className = (placeholderID != 'mnra') ? 'animated-background' : ''; window.placeHolderMap[id] = true; placeholderDivs[ph].appendChild(placeholder); placeholderCounterMap[placeholderID]++; } } } } function initializeDFP(callback) { try { googletag.cmd.push(function () { googletag.pubads().enableSingleRequest(); googletag.pubads().setTargeting("channel", "advisor_us"); googletag.pubads().setTargeting("id", "/advisor/145571" ); googletag.pubads().setTargeting("authorName", "les-masterson" ); googletag.pubads().setTargeting("template", "regular-post_v1" ); googletag.pubads().setTargeting("section", "personal-finance" ); googletag.pubads().setTargeting("authorType", "deputy-editor,-insurance" ); googletag.pubads().setTargeting("category", "life-insurance" ); googletag.pubads().setTargeting("swimlane", "" ); googletag.pubads().disableInitialLoad(); googletag.enableServices(); }); if (callback && typeof (callback) === "function") { callback(); } } catch (error) { console.log('DFP Error' + error); } } function lazyLoadSlots(articleIndex, rowIndexArray) { /* This function will create div ids, size array and call defineSlot */ rowIndexArray.forEach(function (rowIndex) { var slotMetaDataArray = []; var placeholderIndexMapKey = articleIndex + "" + rowIndex; //Eg: 01 var slotIndexMap = placeholderIndexMap[placeholderIndexMapKey]; if (!slotIndexMap) { console.log('slot not found', placeholderIndexMapKey); return false; } for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 //push to slotMetaDataArray, if slotId present in placeHolderMap and slotId not true in defineSlotMap if (window.placeHolderMap[slotId] && !window.defineSlotMap[slotId]) { var sizeArray = getSizeArray(placeholderId); //eg: [[320,50], [1,1]] var pageIndex = getPageIndex(articleIndex, rowIndex); if (sizeArray.length != 0) { var slotMetaDetails = { sizeArray: sizeArray, slotId: slotId, placeholderId: placeholderId, index: index, articleIndex: articleIndex, pageIndex: pageIndex, unitPath: unitPath, batch: articleIndex + "" + rowIndex }; slotMetaDataArray.push(slotMetaDetails); } } }); } } //send slots to dfp for each row if (slotMetaDataArray.length != 0) { defineDFPSlotBatches(slotMetaDataArray); } }); //send max 4 slots to dfp // while (slotMetaDataArray.length > 0) { // var chunkArray = slotMetaDataArray.splice(0,4); // defineDFPSlotBatches(chunkArray); // } } window.allSlots = {}; function defineDFPSlotBatches(slotMetaDataArray) { if (!!window.dfpdbg) { console.log('slotMetaDataArray', slotMetaDataArray); } var firstSlotMeta = slotMetaDataArray[0]; var batch = firstSlotMeta.batch; var placementMap = []; window.allSlots[batch] = []; slotMetaDataArray.forEach(function (meta) { placementMap.push({slotID: meta.slotId, sizes: meta.sizeArray}); defineSlot(meta); }); if (placementMap.length !== 0) { // callAmazon(placementMap, batch); // callApsOnError(batch); callGPT(placementMap, batch); } } //DFP Slot logic start window.defineSlotMap = {}; function defineSlot(slotMeta) { googletag.cmd.push(function () { var slotId = slotMeta.slotId; var slot = googletag.defineSlot(slotMeta.unitPath, slotMeta.sizeArray, slotId) .addService(googletag.pubads()) .setTargeting('pos', slotMeta.placeholderId) .setTargeting('slotId', slotId); // .setTargeting(slotMeta.placeholderId, slotMeta.index + '') // .setTargeting('pageIndex', slotMeta.pageIndex); googletag.display(slotId); window.allSlots[slotMeta.batch].push(slot); window.defineSlotMap[slotId] = true; }); } // function callApsOnError(batch) { // if (apsErrorLoading) { // googletag.cmd.push(function () { // googletag.pubads().refresh(window.allSlots[batch]); // }); // } // } // function callAmazon(placementMap, batch) { // apstag.fetchBids({ // slots: placementMap // }, function (bids) { // googletag.cmd.push(function () { // apstag.setDisplayBids(); // googletag.pubads().refresh(window.allSlots[batch]); // }); // }); // } function callGPT(placementMap, batch) { googletag.cmd.push(function () { googletag.pubads().refresh(window.allSlots[batch]); }); } var sections = document.getElementsByClassName('article-row'); function initDFPScrollhandler(callback, destroySlots) { _maddEventHandler(window, 'scroll', debounce(function () { var scrollTop = window.pageYOffset || document.documentElement.scrollTop; var direction = (scrollTop > previousScrollTop) ? 1 : -1; //downward scroll var large = 0; var largestVisibleElement = 0; for (var s = 0; s < sections.length; s++) { var section = sections[s]; var percentage = getVisibilityForElement(section); if (percentage > 99) { large = percentage; largestVisibleElement = section; break; } if (large < percentage) { large = percentage; largestVisibleElement = section; } } // console.log('lll ', largestVisibleElement, large, sections.length); if (largestVisibleElement) { var currentRowIndex = largestVisibleElement.getAttribute('data-index'); var dataPageIndex = largestVisibleElement.getAttribute('data-page'); var isDFPCalled = largestVisibleElement.getAttribute('data-dfp') || false; // Destroy old slots if (destroySlots === true) { destroyOldSlots(currentRowIndex, dataPageIndex); } if (!!isDFPCalled) { return; } if (callback && typeof (callback) === "function") { callback(direction, currentRowIndex, dataPageIndex); } largestVisibleElement.setAttribute("data-dfp", true); } previousScrollTop = scrollTop <= 0 ? 0 : scrollTop; }, 250)); } function destroyOldSlots(currentRowIndex, dataPageIndex) { var deleteOffset = 3; var articleIndex = dataPageIndex; var deleteRowIndex = currentRowIndex - deleteOffset; // To handle slides for previous article if (deleteRowIndex < 0 && articleIndex > 0) { // while(deleteRowIndex < 0 && articleIndex >= 0){} articleIndex = articleIndex - 1; if (slidesCountMap[articleIndex] >= 0) { deleteRowIndex = slidesCountMap[articleIndex] + deleteRowIndex; } } if (deleteRowIndex < 0) { return; } var batchNumber = articleIndex + "" + deleteRowIndex; //01 if (allSlots[batchNumber] && allSlots[batchNumber].length != 0) { // console.log('-- Destroy --'); // console.log('Row Index: ', deleteRowIndex); // console.log('BatchNumber -> ', batchNumber); googletag.cmd.push(function () { googletag.destroySlots(allSlots[batchNumber]); }); allSlots[batchNumber] = []; var slotIndexMap = placeholderIndexMap[batchNumber]; for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 defineSlotMap[slotId] = false; // console.log('slotId -> ', slotId); }); } } var articleWrapper = document.getElementsByClassName('spa-article')[articleIndex]; if (!!articleWrapper) { var articleRow = articleWrapper.getElementsByClassName('article-row')[deleteRowIndex]; if (!!articleRow) { articleRow.removeAttribute('data-dfp'); } } // console.log('-- Destroy --'); } } function loadSingleUnit(posArray, articleIndex, parentID) { var slotMetaDataArray = []; var parentEle = null; if (parentID) { parentEle = document.getElementById(parentID); } else { parentEle = document; } posArray.forEach(function (pos) { var placeholderClass = getcssClass(pos); var parentDiv = parentEle.getElementsByClassName(placeholderClass); if (!!parentDiv.length != 0) { //create div var placeholder = document.createElement("div"); var slotId = pos + "-" + articleIndex; //rec-0 placeholder.id = slotId; placeholder.className = 'placeholder'; window.placeHolderMap[slotId] = true; parentDiv[0].appendChild(placeholder); var sizeArray = getSizeArray(pos); var meta = { sizeArray: sizeArray, slotId: slotId, placeholderId: pos, index: 1, articleIndex: articleIndex, pageIndex: 1, unitPath: unitPath, batch: articleIndex + "w" }; slotMetaDataArray.push(meta); } else { console.error('placeholder not found', placeholderClass); } }); if (slotMetaDataArray.length !== 0) { defineDFPSlotBatches(slotMetaDataArray); } } function refreshSlots(slots) { if (slots.length !== 0) { googletag.cmd.push(function () { googletag.pubads().refresh(slots); }); } } </script> <script> (function(googletag){ var refreshState = {}; var getSlotId = function(slotId){ var identifier = "-re"; var hasIdentifier = slotId.indexOf(identifier) !== -1; if(hasIdentifier){ //If there is suffix (re) remove count // top-re1 -> top-re return slotId.substring( 0, (slotId.indexOf(identifier)+identifier.length) ); } //If there is no suffix (re) add it // top -> top-re return slotId + identifier; //top-re }; googletag.cmd.push(function(){ googletag.pubads().addEventListener('slotRequested', function(event) { var slot = event.slot; var slotID = slot.getSlotId().getId(); var slotIdTargetingId = slot.getTargetingMap().pos[0]; //refreshState['UNIT_PATH'] if(refreshState[slotID] !== undefined){ refreshState[slotID] = refreshState[slotID] + 1; event.slot.setTargeting( 'pos', (getSlotId(slotIdTargetingId) + refreshState[slotID]) ); event.slot.setTargeting('refreshCount', refreshState[slotID]); }else{ refreshState[slotID] = 0; } }); }); })(googletag); </script> <script> var deviceType = getDeviceTypeInNumber(window.deviceType); var RIGHT_RAIL_DFP_SECTION_HEIGHT = 1100; var RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT = 1500; var RIGHT_RAIL_MIN_LAST_DFP_SECTION_HEIGHT = 800; var posData = { top : { placeholder:'top-ed-placeholder', sizes:[[728,90],[970,250],[970,90],[970,66], [1,1], ['fluid']], tabletSizes:[[728,90], [1,1], ['fluid']], }, rail : { placeholder:'rail-recx-ed-placeholder', sizes:[[300,250], [336,280], [300,600], [1,1], ['fluid']], }, inlineArticle : { placeholder:'inline-article-ed-placeholder', sizes:[[300,250], [300,251], [300,50], [320,50], [1,1], ['fluid']], }, mobileSticky : { placeholder:'mobile-sticky-ed-placeholder', sizes:[[300,50],[320,50], [1,1], ['fluid']], }, showDfpShortcode : { placeholder:'show-dfp-shortcode-ed-placeholder', sizes:[[300,250], [1,1], ['fluid']], }, }; var shortcodePosData = { inread : { selector : "#show-dfp-yhs-shortcode-ed", } }; var selectors = { articleWrapper: '.article-wrapper', rightRailDfp: '.right-rail__display', rightRailContent: '.right-rail__content', topRightRail: '.top-right-rail', articleBody: '.article-body', topEd: '.top-ed-placeholder', header: '.header-us', showDfpShortcode:'#show-dfp-shortcode-ed', excludeSections: ['.faqs', '.exclude-eds'], leftRailWrapper: '.main-content-inner-wrapper', rightRailWrapper: '.right-rail', }; var util = function(){ /** * This function inserts a element after reference node * @param el * @param referenceNode */ var insertAfter = function (el, referenceNode) { referenceNode.parentNode.insertBefore(el, referenceNode.nextSibling); }; /** * This function inserts a element before reference node * @param el * @param referenceNode */ var insertBefore = function(el, referenceNode) { referenceNode.parentNode.insertBefore(el, referenceNode); }; /** * This function creates a element * @param el * @param attr * @returns {element} */ function createElement(el,attr){ el = el || 'div'; attr = attr || {}; var e = document.createElement(el); if( attr ){ for(var p in attr){ e.setAttribute(p,attr[p]); } } return e; } function throttle(fn, delay) { var canCall = true; return function () { if (canCall) { for (var _len = arguments.length, args = new Array(_len), _key = 0; _key < _len; _key++) { args[_key] = arguments[_key]; } fn.apply(null, args); canCall = false; setTimeout(function () { canCall = true; }, delay); } }; }; function debounce(fn, delay) { var timer; return function () { for (var _len = arguments.length, args = new Array(_len), _key = 0; _key < _len; _key++) { args[_key] = arguments[_key]; } if (timer) clearTimeout(timer); timer = setTimeout(function () { fn.apply(null, args); }, delay); }; }; function $qs(selector){ return document.querySelector(selector); } function $qsa(selector){ return document.querySelectorAll(selector); } return { insertAfter:insertAfter, insertBefore:insertBefore, createElement:createElement, throttle:throttle, debounce:debounce, $qs:$qs, } }(); /** * @returns {number} * @param calculationParameters * * First DFP section height: 1500px * Middle DFP section height: 1100px * Last min DFP section height: 800px * * Based on the above parameters calculate the number of DFP section for Right Rail */ function getTotalSectionCountDesktop (calculationParameters) { var totalHeight = (calculationParameters.totalHeight - calculationParameters.heightDeduction); var count = 0; var remainingHeight = 0; if (totalHeight > RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT) { totalHeight -= RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT; count += 1; } var sectionCount = Math.floor(totalHeight / calculationParameters.sectionHeight); if (sectionCount) { count += sectionCount; remainingHeight = totalHeight - (sectionCount * RIGHT_RAIL_DFP_SECTION_HEIGHT); } else { remainingHeight = totalHeight; } if (remainingHeight >= RIGHT_RAIL_MIN_LAST_DFP_SECTION_HEIGHT) { count += 1; } return count < 0 ? 0 : count; } /** * @returns {number} * @param sectionHeight */ function getTotalHeight(sectionHeight){ var defaultHeight = sectionHeight || 2000; var sectionsParent; if (window.__articleMainContentSelector) { sectionsParent = document.querySelector(__articleMainContentSelector); } else { sectionsParent = document.querySelector(selectors.leftRailWrapper); } return ( !!sectionsParent ) ? sectionsParent.offsetHeight : defaultHeight ; } /** * @returns {number} */ function getHeightDeduction(){ var deductionHeight = 0; var rightRailContents = document.querySelectorAll(selectors.rightRailContent); if (rightRailContents && rightRailContents.length) { rightRailContents.forEach(function (ele) { if (!!ele) { deductionHeight += ele.offsetHeight; } }); } return deductionHeight; } /** * This function will generate placeholders */ function generateRightRailPlaceholders(){ var totalHeight = getTotalHeight(RIGHT_RAIL_DFP_SECTION_HEIGHT); var htDeduction = getHeightDeduction(); var calculationParameters = { totalHeight: totalHeight, sectionHeight: RIGHT_RAIL_DFP_SECTION_HEIGHT, heightDeduction: htDeduction }; var sectionCount = getTotalSectionCountDesktop(calculationParameters); if( !!sectionCount ){ var html = ''; var lastDfpSectionHeight = ( (totalHeight - htDeduction - RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT) - ( (sectionCount - 1) * RIGHT_RAIL_DFP_SECTION_HEIGHT ) ) + RIGHT_RAIL_DFP_SECTION_HEIGHT; for(var i=0; i < sectionCount ;i++){ if ( i === 0 ){ html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; } else if ( sectionCount - 1 === i ) { html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+lastDfpSectionHeight+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; }else{ html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+RIGHT_RAIL_DFP_SECTION_HEIGHT+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; } } var rightRailDfp = document.querySelector(selectors.rightRailDfp); if(!!rightRailDfp){ rightRailDfp.innerHTML = html; } } } /** * This function will generate top ed placeholder */ function generateTopEdPlaceholder(){ var top = util.createElement('div',{ "class":'top-ed-placeholder', }); util.insertBefore(top,util.$qs(selectors.articleWrapper)); }; /** * This function will generate mobile sticky ed placeholder */ function generateMobileStickyEdPlaceholder(){ var bottom = util.createElement('div',{ "class":'mobile-sticky-ed-placeholder', }); util.insertAfter(bottom,util.$qs(selectors.articleWrapper)); handleNotices(bottom); }; function handleNotices(bottomStickyElement){ if(!!bottomStickyElement){ var stickyHeight = bottomStickyElement.offsetHeight; stickyHeight = ( stickyHeight > 0 )? stickyHeight : 0; var notices = util.$qs('.notices'); if (notices) { notices.style.bottom = stickyHeight + "px"; } } } /** * This function will generate placehoders */ function generateIncontentPlaceholders(){ var parentWrapper = document.querySelector(selectors.articleBody); var paras = parentWrapper.querySelectorAll('p'); var dataIndex = 0; var initialLoad = true; var initialLoadCount = 0; var validParagraphCount = 0; var maxCharacterLength = 150; for(var i = 0 ; i < paras.length ;i++){ var currentPara = paras[i]; var text = currentPara.textContent || currentPara.innerText; var excludeCurrentPara = currentPara.getAttribute('data-ed-excluded-el'); if( text.length > maxCharacterLength && excludeCurrentPara === null ){ validParagraphCount++; } if( ( initialLoad && validParagraphCount === 2 ) || validParagraphCount === 4 ){ initialLoadCount++; if( initialLoadCount === 2 ){ initialLoad = false; } var wrapper = util.createElement('div',{ "class":'article-row', "data-page":0, "data-index":dataIndex, }); wrapper.appendChild( util.createElement('div',{class:posData.inlineArticle.placeholder}) ); util.insertAfter( wrapper, currentPara ); dataIndex++; validParagraphCount = 0; } } } /** * This function will generate incontent ed placeholder for dfp shortcode */ function generateIncontentShortcodePlaceholder() { var stl = "text-align:center;margin:10px 0;"; if (deviceType === 3) { stl += "margin-right:-15px;margin-left:-15px;"; } var shortcodePlaceholder = util.createElement('div', { "class": posData.showDfpShortcode.placeholder, "style": stl }); var el = util.$qs(selectors.showDfpShortcode); if (!!el) { el.appendChild(shortcodePlaceholder); } } /** * This function will return array of elements for exclusion * elementSelectors : ['.faqs','.someothersection'] * * return [div.faq,div#something]; */ function getSectionsDomElementsToExclude(elementSelectors){ var allElements = []; if( Array.isArray(elementSelectors) && elementSelectors.length > 0 ){ elementSelectors.forEach(function(elSelector){ var els = document.querySelectorAll(elSelector); if( els.length > 0 ){ for( var i = 0; i < els.length ; i++ ){ allElements.push(els[i]); } } }); } return allElements; } /** * This function will add exclusion attribute */ function addEdExclusionDataAttribute(els){ var noOfElements = els.length; if( !!els && noOfElements > 0 ){ for( var i = 0 ; i < noOfElements ; i++ ){ els[i].setAttribute('data-ed-excluded-el',true); } } } /** * This function adds exclusion attribute to elements found in exclusion section */ function addExlusionAttribute(callback){ var allSectionstoExclude = getSectionsDomElementsToExclude(selectors.excludeSections); if( Array.isArray(allSectionstoExclude) && allSectionstoExclude.length > 0 ){ allSectionstoExclude.forEach(function(section){ var paras = section.querySelectorAll('p'); addEdExclusionDataAttribute(paras); }); } if( typeof callback === 'function'){ callback(); } } /** * This function will generate dfp yhs shortcode placeholder */ function generateShowDfpYhsPlaceholder(){ var el = util.createElement('div',{ "class":posData.showDfpShortcode.placeholder, }); var targetElement = util.$qs(shortcodePosData.inread.selector); if( !!targetElement ){ targetElement.appendChild(el); } } /** * This function will generate dfp yhs shortcode placeholder */ function loadShowDfpYhsUnit(){ if( !!util.$qs(shortcodePosData.inread.selector) ){ loadSingleUnit(['inread'], 0, null); } } /** * This function will generate placehoders for template based on device */ function generateTemplatePlaceHolders(){ if( deviceType !== 3 ){ generateTopEdPlaceholder(); generateRightRailPlaceholders(); }else{ generateMobileStickyEdPlaceholder(); addExlusionAttribute(generateIncontentPlaceholders); } generateIncontentShortcodePlaceholder(); generateShowDfpYhsPlaceholder(); } generateTemplatePlaceHolders(); /** * Set the placeholder height of lazy loaded units */ function setMobilePlaceholdersHeight() { googletag.cmd.push(function () { googletag.pubads().addEventListener('slotRenderEnded', function(event) { var slotEl = document.querySelector('#' + event.slot.getSlotElementId()).parentElement; var slotHeight; if (event.size && event.size[1] !== 0) { slotHeight = event.size[1] + 'px'; } else { slotHeight = 'auto'; } if (!!slotEl) { slotEl.style.height = slotHeight; } }); }); } //handle sticky top var isSticky = false; var isStickyDone = false; function handleTopEdScroll(){ var topEd = document.querySelector(selectors.topEd); var headerHeight = document.querySelector(selectors.header).offsetHeight; var offset = window.pageYOffset || document.documentElement.scrollTop; if(topEd){ var scrollOffset = topEd.offsetTop; if(!isSticky){ if(topEd.classList.contains('top-ed-placeholder--sticky')){ isSticky = true; } if( offset > scrollOffset ){ topEd.classList.add('top-ed-placeholder--sticky'); if (document.querySelector(".regular-template")) { document.querySelector(".regular-template").style.paddingTop=topEd.offsetHeight+"px"; } else if (document.querySelector(".guides-template")) { document.querySelector(".guides-template").style.paddingTop=topEd.offsetHeight+"px"; } } setTimeout(function(){ topEd.classList.remove('top-ed-placeholder--sticky'); if (document.querySelector(".regular-template")) { document.querySelector(".regular-template").style.paddingTop="0"; } else if (document.querySelector(".guides-template")) { document.querySelector(".guides-template").style.paddingTop="0"; } isStickyDone = true; },5000); }else{ if(!isStickyDone){ topEd.style.top = `${headerHeight}px`; } } } this.oldScroll = this.scrollY; } window.addEventListener('scroll',debounce(handleTopEdScroll,250)); //dfp setup window.dfpConfig = { 1: { 'recx' : { 'size': posData.rail.sizes, 'cssClass': posData.rail.placeholder }, 'top' : { 'size': posData.top.sizes, 'cssClass': posData.top.placeholder }, 'inread' : { 'size': posData.showDfpShortcode.sizes, 'cssClass': posData.showDfpShortcode.placeholder }, }, 2: { 'recx' : { 'size': posData.rail.sizes, 'cssClass': posData.rail.placeholder }, 'top' : { 'size': posData.top.tabletSizes, 'cssClass': posData.top.placeholder }, 'inread' : { 'size': posData.showDfpShortcode.sizes, 'cssClass': posData.showDfpShortcode.placeholder }, }, 3: { 'mobilerec': { 'size': posData.inlineArticle.sizes, 'cssClass': posData.inlineArticle.placeholder }, 'mobile' : { 'size': posData.mobileSticky.sizes, 'cssClass': posData.mobileSticky.placeholder }, 'inread' : { 'size': posData.showDfpShortcode.sizes, 'cssClass': posData.showDfpShortcode.placeholder }, } }; generatePlaceHolders(null); initializeDFP(function(){ if( deviceType !== 3 ){ loadSingleUnit(['top'], 0, null); }else{ loadSingleUnit(['mobile'], 0, null); setMobilePlaceholdersHeight(); } if(!!util.$qs('.'+posData.showDfpShortcode.placeholder)){ loadSingleUnit(['inread'], 0, null); } loadShowDfpYhsUnit(); lazyLoadSlots(0,[0,1]); }); initDFPScrollhandler(function(direction, currentRowIndex, pageIndex){ var rowOffset = 1 * direction; var nextDfpRowIndex = parseInt(currentRowIndex) + rowOffset; lazyLoadSlots(pageIndex, [parseInt(currentRowIndex), nextDfpRowIndex]); }, true); function adjustHeightGap() { let leftRail = document.querySelector(selectors.leftRailWrapper), righRail = document.querySelector(selectors.rightRailWrapper); if(leftRail && righRail){ let leftRailHeight = leftRail.offsetHeight, righRailHeight = righRail.offsetHeight, heightDiffernce = righRailHeight - leftRailHeight, articleRow = document.getElementsByClassName("article-row"), articleRowCount = document.querySelectorAll('.article-row').length, heightDeduction = heightDiffernce / articleRowCount; if (righRailHeight > leftRailHeight) { Array.from(articleRow).forEach(function (elem) { var getheight = elem.offsetHeight; elem.style.height = (getheight - heightDeduction) + "px"; }); } } } let scrollFired = 0; window.addEventListener('scroll', debounce(function () { if (scrollFired == 0) { adjustHeightGap(); } scrollFired = 1; }, 1200)); </script> <div id="advertiser-disclosure-block" class="disclosure-block"> The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. <b>First</b>, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. <b>Second,</b> we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. 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A life insurance calculator is one way to figure out how much you need. Life Insurance Calculator An easy way to figure out your coverage needs is to use this life insurance calculator. Enter your […]" } </script><script>(()=>{"use strict";function e(e,t,o){document.addEventListener(e,(function(e){for(var s=e.target;s&&s!=this;s=s.parentNode)if(s.matches(t)){o.call(s,e);break}}),!1)}window.debounce=function(e,t){var o;return function(){for(var s=arguments.length,r=new Array(s),i=0;i<s;i++)r[i]=arguments[i];o&&clearTimeout(o),o=setTimeout((function(){e.apply(null,r)}),t)}};const t=e=>document.querySelector(e),o=e=>document.querySelectorAll(e),s=function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500;return"none"===window.getComputedStyle(e).display?function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500;e.style.removeProperty("display");let{display:o}=window.getComputedStyle(e);"none"===o&&(o="block"),e.style.display=o;const 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