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(min-width:1020px){.LiveTVContainer-col-9{max-width:calc(133.33333% - 30px);min-width:calc(133.33333% - 30px)}}@media screen and (min-width:760px) and (min-width:1020px) and (-ms-high-contrast:none){.LiveTVContainer-col-9{max-width:100%;min-width:100%}}@media (min-width:760px) and (min-width:1340px){.LiveTVContainer-col-9{max-width:calc(100% - 30px);min-width:calc(100% - 30px)}}@media (min-width:1020px){.LiveTVContainer-col-9{flex-grow:0;flex-shrink:0;margin-right:0;max-width:calc(66.66667% - 10px);min-width:calc(66.66667% - 10px)}.LiveTVContainer-col-9:last-child{margin-right:0}}@media (min-width:1340px){.LiveTVContainer-col-9{flex-grow:0;flex-shrink:0;max-width:calc(75% - 7.5px);min-width:calc(75% - 7.5px)}.LiveTVContainer-col-9.LiveTVContainer-article{flex-grow:0;flex-shrink:0;margin-left:calc(8.33333% + 2.5px);max-width:calc(58.33333% - 12.5px);min-width:calc(58.33333% - 12.5px)}}@media (min-width:760px){.LiveTVContainer-col-12{flex-grow:0;flex-shrink:0;max-width:calc(300% - 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auto;max-width:300px;width:250px}@media (min-width:760px){.BoxRail-ad{max-width:768px;min-height:150px;width:100%}}</style><title itemProp="name">Best Life Insurance Companies of December 2024</title><meta name="viewport" content="initial-scale=1.0, width=device-width"/><meta http-equiv="X-UA-Compatible" content="IE=Edge"/><meta property="AssetType" content="cnbcnewsstory"/><meta property="pageNodeId" content="107186093"/><meta itemProp="description" name="description" content="CNBC Select has chosen the best life insurance companies in a variety of categories"/><link rel="canonical" href="https://www.cnbc.com/select/best-life-insurance-companies/"/><meta property="og:type" content="article"/><meta property="og:title" content="The best life insurance companies of December 2024"/><meta property="og:description" content="CNBC Select has chosen the best life insurance companies in a variety of categories"/><meta property="og:url" content="https://www.cnbc.com/select/best-life-insurance-companies/"/><meta property="og:site_name" content="CNBC"/><meta itemProp="dateCreated" content="2023-02-07T13:30:01+0000"/><meta itemProp="dateModified" content="2024-11-22T18:39:13+0000"/><meta itemProp="lastReviewed" content="2024-11-22T18:39:13+0000"/><meta itemProp="inLanguage" content="en-US"/><meta property="og:image" itemProp="image" content="https://image.cnbcfm.com/api/v1/image/108035961-1726677339148-gettyimages-1605219518-pi-2686998.jpeg?v=1731845935&amp;w=1920&amp;h=1080"/><meta name="twitter:image:src" content="https://image.cnbcfm.com/api/v1/image/108035961-1726677339148-gettyimages-1605219518-pi-2686998.jpeg?v=1731845935&amp;w=1920&amp;h=1080"/><meta name="twitter:image" content="https://image.cnbcfm.com/api/v1/image/108035961-1726677339148-gettyimages-1605219518-pi-2686998.jpeg?v=1731845935&amp;w=1920&amp;h=1080"/><meta name="twitter:creator" content="lizknueven"/><meta property="article:publisher" 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it?","acceptedAnswer":{"@type":"Answer","text":"<p>Life insurance is a good idea if you have a partner or children who rely on your income for daily expenses, mortgage payments, student loans or other debts. Even if you don't, a policy can cover funeral expenses or leave a financial legacy for your children or a charity.</p>"}},{"@type":"Question","name":"How much life insurance do I need? ","acceptedAnswer":{"@type":"Answer","text":"<p>There's no set amount of life insurance everyone needs. A common rule of thumb is to have a policy with coverage equal to at least 10 times your annual income. The <a href=\"https://www.cnbc.com/select/how-much-life-insurance-do-i-need/\">DIME method</a> is another popular strategy.</p>"}},{"@type":"Question","name":"What is final expense insurance?","acceptedAnswer":{"@type":"Answer","text":"<p><a href=\"https://www.cnbc.com/select/best-burial-insurance-companies/\">Final expense insurance</a>, also known as burial insurance, is a basic whole life policy that pays out enough to cover funeral expenses, outstanding medical or legal bills and other costs associated with settling your estate. They don't require a medical exam and acceptance is often guaranteed.</p>"}},{"@type":"Question","name":"Is life insurance through work enough?","acceptedAnswer":{"@type":"Answer","text":"<p>Some <a href=\"https://www.cnbc.com/select/open-enrollment-employer-life-insurance/\">employers offer life insurance</a> as a workplace benefit. However, many people with dependents need more than this coverage offers. There's very little room for customization and when you leave the company, the policy expires. Pairing <a href=\"https://www.cnbc.com/select/what-is-group-life-insurance-how-it-works/\">group life insurance</a> with an individual policy could get you the coverage you need.</p>"}},{"@type":"Question","name":"Is life insurance taxable?","acceptedAnswer":{"@type":"Answer","text":"<p>According to the IRS, life insurance proceeds you receive as a beneficiary are generally not included in your gross income and are not taxed. 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Cards</a></strong></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/credit-card-marketplace/" target="_self" tabindex="-1" data-track-menu-name="Find the Credit Card for You" class="shortcuts-dropdown-item-link">Find the Credit Card for You</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-credit-cards/" target="_self" tabindex="-1" data-track-menu-name="Best Credit Cards" class="shortcuts-dropdown-item-link">Best Credit Cards</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-rewards-credit-cards/" target="_self" tabindex="-1" data-track-menu-name="Best Rewards Credit Cards" class="shortcuts-dropdown-item-link">Best Rewards Credit Cards</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-travel-credit-cards/" target="_self" tabindex="-1" data-track-menu-name="Best Travel Credit Cards" class="shortcuts-dropdown-item-link">Best Travel Credit Cards</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-zero-interest-credit-cards/" target="_self" tabindex="-1" data-track-menu-name="Best 0% APR Credit Cards" class="shortcuts-dropdown-item-link">Best 0% APR Credit Cards</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-balance-transfer-credit-cards/" target="_self" tabindex="-1" data-track-menu-name="Best Balance Transfer Credit Cards" class="shortcuts-dropdown-item-link">Best Balance Transfer Credit Cards</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-cash-back-credit-cards/" target="_self" tabindex="-1" data-track-menu-name="Best Cash Back Credit Cards" class="shortcuts-dropdown-item-link">Best Cash Back Credit Cards</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-credit-card-sign-up-bonuses/" target="_self" tabindex="-1" data-track-menu-name="Best Credit Card Sign-Up Bonuses" class="shortcuts-dropdown-item-link">Best Credit Card Sign-Up Bonuses</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/the-best-credit-cards-for-building-credit/" target="_self" tabindex="-1" data-track-menu-name="Best Credit Cards to Build Credit" class="shortcuts-dropdown-item-link">Best Credit Cards to Build Credit</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-credit-cards-for-online-shopping/" target="_self" tabindex="-1" data-track-menu-name="Best Credit Cards for Online Shopping" class="shortcuts-dropdown-item-link">Best Credit Cards for Online Shopping</a></li></menu></nav></li><li class="shortcuts-list-item shortcuts-list-item--click-dd"><a href="https://www.cnbc.com/select/loans/" role="button" aria-expanded="false" aria-label="Loans dropdown with sub links" data-track-menu-name="Loans" class="shortcuts-list-item-link"><span class="chevron-down"></span><span class="shortcuts-list-item-text">Loans</span></a><nav class="shortcuts-dropdown" aria-hidden="true"><menu class="shortcuts-dropdown-list"><li class="shortcuts-dropdown-item all-link"><strong><a href="https://www.cnbc.com/select/loans/" target="_self" tabindex="-1" data-track-menu-name="All Loans" class="shortcuts-dropdown-item-link">All Loans</a></strong></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/personal-loan-marketplace/" target="_self" tabindex="-1" data-track-menu-name="Find the Best Personal Loan for You" class="shortcuts-dropdown-item-link">Find the Best Personal Loan for You</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-personal-loans/" target="_self" tabindex="-1" data-track-menu-name="Best Personal Loans" class="shortcuts-dropdown-item-link">Best Personal Loans</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-debt-consolidation-loans/" target="_self" tabindex="-1" data-track-menu-name="Best Debt Consolidation Loans" class="shortcuts-dropdown-item-link">Best Debt Consolidation Loans</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-loans-for-refinancing-credit-card-debt/" target="_self" tabindex="-1" data-track-menu-name="Best Loans to Refinance Credit Card Debt" class="shortcuts-dropdown-item-link">Best Loans to Refinance Credit Card Debt</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/6-personal-loans-thatll-get-you-funded-in-as-little-as-1-business-day/ " target="_self" tabindex="-1" data-track-menu-name="Best Loans with Fast Funding" class="shortcuts-dropdown-item-link">Best Loans with Fast Funding</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-small-personal-loans/" target="_self" tabindex="-1" data-track-menu-name="Best Small Personal Loans" class="shortcuts-dropdown-item-link">Best Small Personal Loans</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/personal-loan-lenders-borrow-50000/" target="_self" tabindex="-1" data-track-menu-name="Best Large Personal Loans" class="shortcuts-dropdown-item-link">Best Large Personal Loans</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/personal-loan-online-applications/" target="_self" tabindex="-1" data-track-menu-name="Best Personal Loans to Apply Online" class="shortcuts-dropdown-item-link">Best Personal Loans to Apply Online</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-student-loan-refinance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Student Loan Refinance" class="shortcuts-dropdown-item-link">Best Student Loan Refinance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-car-loans/" target="_self" tabindex="-1" data-track-menu-name="Best Car Loans" class="shortcuts-dropdown-item-link">Best Car Loans</a></li></menu></nav></li><li class="shortcuts-list-item shortcuts-list-item--click-dd"><a href="https://www.cnbc.com/select/banking/" role="button" aria-expanded="false" aria-label="Banking dropdown with sub links" data-track-menu-name="Banking" class="shortcuts-list-item-link"><span class="chevron-down"></span><span class="shortcuts-list-item-text">Banking</span></a><nav class="shortcuts-dropdown" aria-hidden="true"><menu class="shortcuts-dropdown-list"><li class="shortcuts-dropdown-item all-link"><strong><a href="https://www.cnbc.com/select/banking/" target="_self" tabindex="-1" data-track-menu-name="All Banking" class="shortcuts-dropdown-item-link">All Banking</a></strong></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/savings-marketplace/" target="_self" tabindex="-1" data-track-menu-name="Find the Savings Account for You" class="shortcuts-dropdown-item-link">Find the Savings Account for You</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-high-yield-savings-accounts/" target="_self" tabindex="-1" data-track-menu-name="Best High Yield Savings Accounts" class="shortcuts-dropdown-item-link">Best High Yield Savings Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-brick-and-mortar-savings-accounts/" target="_self" tabindex="-1" data-track-menu-name="Best Big Bank Savings Accounts" class="shortcuts-dropdown-item-link">Best Big Bank Savings Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-brick-mortar-checking-accounts/" target="_self" tabindex="-1" data-track-menu-name="Best Big Bank Checking Accounts" class="shortcuts-dropdown-item-link">Best Big Bank Checking Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-no-fee-checking-accounts/" target="_self" tabindex="-1" data-track-menu-name="Best No Fee Checking Accounts" class="shortcuts-dropdown-item-link">Best No Fee Checking Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/checking-accounts-with-no-overdraft-fees/" target="_self" tabindex="-1" data-track-menu-name="No Overdraft Fee Checking Accounts" class="shortcuts-dropdown-item-link">No Overdraft Fee Checking Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-checking-account-bonuses/" target="_self" tabindex="-1" data-track-menu-name="Best Checking Account Bonuses" class="shortcuts-dropdown-item-link">Best Checking Account Bonuses</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-money-market-accounts/" target="_self" tabindex="-1" data-track-menu-name="Best Money Market Accounts" class="shortcuts-dropdown-item-link">Best Money Market Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-certificates-of-deposits/" target="_self" tabindex="-1" data-track-menu-name="Best CDs" class="shortcuts-dropdown-item-link">Best CDs</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-credit-unions/" target="_self" tabindex="-1" data-track-menu-name="Best Credit Unions" class="shortcuts-dropdown-item-link">Best Credit Unions</a></li></menu></nav></li><li class="shortcuts-list-item shortcuts-list-item--click-dd"><a href="https://www.cnbc.com/select/mortgages/" role="button" aria-expanded="false" aria-label="Mortgages dropdown with sub links" data-track-menu-name="Mortgages" class="shortcuts-list-item-link"><span class="chevron-down"></span><span class="shortcuts-list-item-text">Mortgages</span></a><nav class="shortcuts-dropdown" aria-hidden="true"><menu class="shortcuts-dropdown-list"><li class="shortcuts-dropdown-item all-link"><strong><a href="https://www.cnbc.com/select/mortgages/" target="_self" tabindex="-1" data-track-menu-name="All Mortgages" class="shortcuts-dropdown-item-link">All Mortgages</a></strong></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-mortgage-lenders/" target="_self" tabindex="-1" data-track-menu-name="Best Mortgages" class="shortcuts-dropdown-item-link">Best Mortgages</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/mortgage-lenders-for-a-small-down-payment/" target="_self" tabindex="-1" data-track-menu-name="Best Mortgages for Small Down Payment" class="shortcuts-dropdown-item-link">Best Mortgages for Small Down Payment</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-mortgage-lenders-va-loans-usda-loans/" target="_self" tabindex="-1" data-track-menu-name="Best Mortgages for No Down Payment" class="shortcuts-dropdown-item-link">Best Mortgages for No Down Payment</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-mortgage-lenders-average-credit-score/" target="_self" tabindex="-1" data-track-menu-name="Best Mortgages for Average Credit Score" class="shortcuts-dropdown-item-link">Best Mortgages for Average Credit Score</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-mortgage-lenders-that-dont-charge-origination-fees/" target="_self" tabindex="-1" data-track-menu-name="Best Mortgages No Origination Fee" class="shortcuts-dropdown-item-link">Best Mortgages No Origination Fee</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/adjustable-rate-mortgage-pros-and-cons/" target="_self" tabindex="-1" data-track-menu-name="Adjustable Rate Mortgages" class="shortcuts-dropdown-item-link">Adjustable Rate Mortgages</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/mortgage-affordability/" target="_self" tabindex="-1" data-track-menu-name="Affording a Mortgage" class="shortcuts-dropdown-item-link">Affording a Mortgage</a></li></menu></nav></li><li class="shortcuts-list-item shortcuts-list-item--click-dd"><a href="https://www.cnbc.com/select/insurance/" role="button" aria-expanded="false" aria-label="Insurance dropdown with sub links" data-track-menu-name="Insurance" class="shortcuts-list-item-link"><span class="chevron-down"></span><span class="shortcuts-list-item-text">Insurance</span></a><nav class="shortcuts-dropdown" aria-hidden="true"><menu class="shortcuts-dropdown-list"><li class="shortcuts-dropdown-item all-link"><strong><a href="https://www.cnbc.com/select/insurance/" target="_self" tabindex="-1" data-track-menu-name="All Insurance" class="shortcuts-dropdown-item-link">All Insurance</a></strong></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-life-insurance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Life Insurance" class="shortcuts-dropdown-item-link">Best Life Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-life-insurance-seniors/" target="_self" tabindex="-1" data-track-menu-name="Best Life Insurance for Seniors" class="shortcuts-dropdown-item-link">Best Life Insurance for Seniors</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-homeowners-insurance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Homeowners Insurance" class="shortcuts-dropdown-item-link">Best Homeowners Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-renters-insurance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Renters Insurance" class="shortcuts-dropdown-item-link">Best Renters Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-car-insurance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Car Insurance" class="shortcuts-dropdown-item-link">Best Car Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-pet-insurance/" target="_self" tabindex="-1" data-track-menu-name="Best Pet Insurance" class="shortcuts-dropdown-item-link">Best Pet Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-boat-insurance/" target="_self" tabindex="-1" data-track-menu-name="Best Boat Insurance" class="shortcuts-dropdown-item-link">Best Boat Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-motorcycle-insurance/" target="_self" tabindex="-1" data-track-menu-name="Best Motorcycle Insurance" class="shortcuts-dropdown-item-link">Best Motorcycle Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-travel-insurance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Travel Insurance" class="shortcuts-dropdown-item-link">Best Travel Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/event-ticket-insurance-worth-it/" target="_self" tabindex="-1" data-track-menu-name="Event Ticket Insurance" class="shortcuts-dropdown-item-link">Event Ticket Insurance</a></li></menu></nav></li><li class="shortcuts-list-item shortcuts-list-item--click-dd"><a href="https://www.cnbc.com/select/small-business/" role="button" aria-expanded="false" aria-label="Small Business dropdown with sub links" data-track-menu-name="Small Business" class="shortcuts-list-item-link"><span class="chevron-down"></span><span class="shortcuts-list-item-text">Small Business</span></a><nav class="shortcuts-dropdown" aria-hidden="true"><menu class="shortcuts-dropdown-list"><li class="shortcuts-dropdown-item all-link"><strong><a href="https://www.cnbc.com/select/small-business/" target="_self" tabindex="-1" data-track-menu-name="All Small Business" class="shortcuts-dropdown-item-link">All Small Business</a></strong></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-small-business-savings-accounts/" target="_self" tabindex="-1" data-track-menu-name="Best Small Business Savings Accounts" class="shortcuts-dropdown-item-link">Best Small Business Savings Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-business-checking-accounts/" target="_self" tabindex="-1" data-track-menu-name="Best Small Business Checking Accounts" class="shortcuts-dropdown-item-link">Best Small Business Checking Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-small-business-credit-cards/" target="_self" tabindex="-1" data-track-menu-name="Best Credit Cards for Small Business" class="shortcuts-dropdown-item-link">Best Credit Cards for Small Business</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-small-business-loans/" target="_self" tabindex="-1" data-track-menu-name="Best Small Business Loans" class="shortcuts-dropdown-item-link">Best Small Business Loans</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-tax-software-for-small-businesses/" target="_self" tabindex="-1" data-track-menu-name="Best Tax Software for Small Business" class="shortcuts-dropdown-item-link">Best Tax Software for Small Business</a></li></menu></nav></li><li class="shortcuts-list-item shortcuts-list-item--click-dd"><a href="" role="button" aria-expanded="false" aria-label="+More dropdown with sub links" data-track-menu-name="+More" class="shortcuts-list-item-link"><span class="chevron-down"></span><span class="shortcuts-list-item-text">+More</span></a><nav class="shortcuts-dropdown" aria-hidden="true"><menu class="shortcuts-dropdown-list"><li class="shortcuts-dropdown-item"><a tabindex="-1" data-track-menu-name="personal-finance" class="shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu"><p data-track-menu-name="personal-finance">Personal Finance</p><span class="chevron-right"></span></a><a role="button" tabindex="-1" data-track-menu-name="personal-finance-back-btn" class="shortcuts-dropdown-item-link back-btn dn js-l3-dropdown">+More</button><a href="https://www.cnbc.com/select/personal-finance/" tabindex="-1" data-track-sub-link="personal-finance-submenu" class="shortcuts-dropdown-item-link all-link dn js-l3-dropdown">All Personal Finance</a><a href="https://www.cnbc.com/select/best-budgeting-apps/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Budgeting Apps</a><a href="https://www.cnbc.com/select/best-expense-tracker-apps/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Expense Tracker Apps</a><a href="https://www.cnbc.com/select/best-money-transfer-payment-apps/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Money Transfer Apps</a><a href="https://www.cnbc.com/select/best-resale-apps-and-websites/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Resale Apps and Sites</a><a href="https://www.cnbc.com/select/best-buy-now-pay-later-apps/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Buy Now Pay Later (BNPL) Apps</a><a href="https://www.cnbc.com/select/best-debt-relief-companies/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Debt Relief</a></li><li class="shortcuts-dropdown-item"><a tabindex="-1" data-track-menu-name="credit-monitoring" class="shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu"><p data-track-menu-name="credit-monitoring">Credit Monitoring</p><span class="chevron-right"></span></a><a role="button" tabindex="-1" data-track-menu-name="credit-monitoring-back-btn" 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Read more about Select on<!-- --> <a href="/select/about-us/" title="About CNBC">CNBC</a> <!-- -->and on<!-- --> <a href="https://www.nbcnews.com/select/shopping/about-ncna1280612" target="_blank" title="About NBC News">NBC News</a>, and click<!-- --> <a href="/select/disclosures/" title="Advertiser Disclosure">here</a> <!-- -->to read our full advertiser disclosure.</div></div></div></div></div><div class="PageBuilder-styles-select-containerFluidWidths--cLu14 PageBuilder-styles-select-pageRow--PTTRD"><div class="PageBuilder-styles-select-col-12--Lp2E5 PageBuilder-styles-select-col--qRu4W PageBuilder-styles-select-article--vymzP"><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PageBuilder-styles-select-containerWidth100--PFiyk PageBuilder-styles-select-pageRow--PTTRD"><div class="PageBuilder-styles-select-col-full--bWdjG PageBuilder-styles-select-col--qRu4W PageBuilder-styles-select-article--vymzP"><div id="SelectRegularArticle-ArticleHeader-4" data-test="articleHeader-0" data-analytics="SelectRegularArticle-articleHeader-4-0"><header class="ArticleHeader-styles-select-articleHeader--Tsm9h" id="main-article-header"><div class="ArticleHeader-styles-select-headerContentContainer--lSlnA"><div class="ArticleHeader-styles-select-wrapperHeroNoImage--dWGU6"><div class="ArticleHeader-styles-select-jumpLinkWrap--tjQ8j"></div><a href="https://www.cnbc.com/select/insurance/" class="ArticleHeader-styles-select-eyebrow--Yjj64">Insurance</a><div><h1 class="ArticleHeader-styles-select-headline--n2eyV">The best life insurance companies of December 2024</h1><h2 class="ArticleHeader-styles-select-deck--JP1pD">Mutual of Omaha, Amica and MassMutual are among our top picks for life insurance.</h2></div><div class="ArticleHeader-styles-select-timeHidden--IXErG"><time data-testid="single-timestamp">Updated Fri, Nov 22 2024</time></div></div><div class="ArticleHeader-styles-select-authorAndShareInline--DkAsI"><div class="ArticleHeader-styles-select-authorContainer--kv3RI"><div class="ArticleHeader-styles-select-author--qEb9Z"><div class="Author-styles-select-author--Mujps"><div class="Author-styles-select-authorInfo--rs71E"><img class="Author-styles-select-authorPortrait--ZnBZH" style="border:0" src="https://image.cnbcfm.com/api/v1/image/107295019-1693575956214-headshot.jpg?v=1693595835&amp;w=60&amp;h=60&amp;ffmt=webp" alt="thumbnail"/><div class="Author-styles-select-authorNameAndSocial--C51G7"><a href="https://www.cnbc.com/liz-knueven/" class="Author-styles-select-authorName--IoDuN">Liz Knueven<span class="Author-styles-select-authorUnderline--MUpGv"></span></a><a href="https://linkedin.com//in/lizknueven/" class="Author-styles-select-authorTwitter--fbkp5" target="_blank">@/in/lizknueven/</a><a href="https://twitter.com/lizknueven" class="Author-styles-select-authorTwitter--fbkp5" target="_blank">@lizknueven</a></div></div></div></div></div><div class="SocialShare-styles-select-socialShare--DjDqO" data-test="SocialShare" id="social-buttons-transporter"><span class="SocialShare-styles-select-socialShareText--ulJut">Share</span><button class="SocialShare-styles-select-socialShareButton--UWtYc" data-test-allaccess="false" data-test-pro="false" data-test-ic="false"><span aria-hidden="true" class="SocialShare-styles-select-socialShareFacebook--RA4IL" data-analytic-id="Share Published" data-location="Article Header" data-provider="facebook"></span><span class="SocialShare-styles-select-socialShareLabel--hSuxj">Share Article via Facebook</span></button><button class="SocialShare-styles-select-socialShareButton--UWtYc" data-test-allaccess="false" data-test-pro="false" data-test-ic="false"><span aria-hidden="true" class="SocialShare-styles-select-socialShareTwitter--XJwg0" data-analytic-id="Share Published" data-location="Article Header" data-provider="twitter"></span><span 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class="PageBuilder-styles-select-containerFluidWidths--cLu14 PageBuilder-styles-select-pageRow--PTTRD"><div class="PageBuilder-styles-select-col-9--WCHwt PageBuilder-styles-select-col--qRu4W PageBuilder-styles-select-article--vymzP"><div class="ArticleBody-styles-select-articleBody--LzWbD" id="SelectRegularArticle-ArticleBody-6" data-module="ArticleBody" data-test="articleBody-1" data-analytics="SelectRegularArticle-articleBody-6-1"><span class="HighlightShare-styles-select-hidden--mu_W5" style="top:0;left:0"></span><div class="group"><p><a href="https://www.cnbc.com/select/how-much-life-insurance-do-i-need/">Life insurance</a> can protect your loved ones when you&#x27;re gone by replacing lost income, paying off debts or leaving a financial legacy. <br/><br/>There&#x27;s a lot to consider, though, with different providers, <a href="https://www.cnbc.com/select/whole-vs-term-life-insurance/">different types of policies</a>, coverage limits and assorted riders.</p><p><a href="https://www.cnbc.com/select/">CNBC Select</a> has chosen the best life insurance companies in a variety of categories. (See <a href="https://www.cnbc.com/select/best-life-insurance-companies/">our methodology</a> for more information on how we made our choices.)</p></div><div style="height:400px" class="lazyload-placeholder"></div><div class="group"><div class="ArticleBody-styles-select-blockquote--olsIR"><h2>Best life insurance companies</h2><ul><li><a href="#6ivu8H0JX"><strong>Best for affordability:</strong></a> <a href="https://secure.money.com/pr/rb8b57ff27ae" rel="nofollow" target="_blank">Amica</a></li><li><a href="#iDz7UObR7h"><strong>Best for seniors:</strong></a> <a href="https://secure.money.com/pr/o18f2f96e940" rel="nofollow" target="_blank">Mutual of Omaha</a></li><li><a href="#l9RRrhbIcc"><strong>Best for term life insurance:</strong></a> <a href="https://secure.money.com/pr/h8a8678f265d" rel="nofollow" target="_blank">Protective</a></li><li><a href="#HNovx_346Q"><strong>Best for whole life insurance:</strong></a> <a href="https://secure.money.com/pr/gb55358d1ed8" rel="nofollow" target="_blank">MassMutual</a></li><li><a href="#W-LjRQzdlq"><strong>Best for universal life insurance:</strong></a> <a href="https://secure.money.com/pr/tc64c4d5ef2a" rel="nofollow" target="_blank">Pacific Life</a></li><li><a href="#XFLI6c5Lrg"><strong>Best for long-term care insurance:</strong></a> <a href="https://secure.money.com/pr/v5ccf9583cac" rel="nofollow" target="_blank">Nationwide</a></li><li><a href="#yWzWpXigDR"><strong>Best for smokers</strong>:</a> <a href="https://secure.money.com/pr/z4926d2b95a8" rel="nofollow" target="_blank">Ethos</a></li><li><a href="#vYYxgD1bl7"><strong>Best for riders:</strong></a> <a href="https://secure.money.com/pr/k741799c49ba" rel="nofollow" target="_blank">Northwestern Mutual</a></li><li><a href="#WdJF-EtR-i"><strong>Best for final expense coverage:</strong></a> <a href="https://secure.money.com/pr/b9877012b33a" rel="nofollow" target="_blank">State Farm</a></li><li><a href="#8Lx1ttB4mC"><strong>Best for no medical</strong> <strong>exam:</strong></a> <a href="https://secure.money.com/pr/a85d6a5d5926" rel="nofollow" target="_blank">Ladder</a></li></ul></div></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline0"></a>Best for affordability: Amica</h2><div class="internal-link" id="6ivu8H0JX"></div><section id="selectRegularArticle-AmicaLifeInsurance-1" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-1" data-analytics="selectRegularArticle-AmicaLifeInsurance-1"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/rb8b57ff27ae" rel="sponsored" target="_blank">Amica Life Insurance </a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/rb8b57ff27ae" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:1:AmicaLifeInsurance" data-analytics-id="LEARN MORE:1:AmicaLifeInsurance">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Online quote for term policy</h4><div class="Features-styles-select-value--ApaQp"><p>Yes</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Policy highlights</h4><div class="Features-styles-select-value--ApaQp"><p>Amica offers a level term life insurance and whole life insurance policies payable for 20 years or until ages 65 or 100. Both include a terminal illness rider at no extra charge.</p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Can get term life quote and apply online</li><li class="ProsAndCons-styles-select-item--ZT8du">10% bundling discount with auto insurance</li><li class="ProsAndCons-styles-select-item--ZT8du">Terminal illness rider included</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Not all policies and features available in all states</li><li class="ProsAndCons-styles-select-item--ZT8du">No universal or variable life insurance</li><li class="ProsAndCons-styles-select-item--ZT8du">No other riders available</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/rb8b57ff27ae" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:1:AmicaLifeInsurance" data-analytics-id="LEARN MORE:1:AmicaLifeInsurance">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><div style="height:100%" class="lazyload-placeholder"></div><p><strong>Who&#x27;s this for?</strong> <a href="https://secure.money.com/pr/rb8b57ff27ae" rel="nofollow" target="_blank">Amica</a> offers competitive life insurance rates starting at $8.28 per month. The brand also offers the ability to bundle with savings up to 30% when you combine your life insurance with a home and auto insurance policy.</p><p><strong>Standout benefits: </strong>Amica&#x27;s policies include a free terminal illness rider, an extra cost with some insurers.</p><p><a href="#OgkLUlYtTX"><strong>[ Jump to more details ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline1"></a>Best for seniors: Mutual of Omaha </h2><div class="internal-link" id="iDz7UObR7h"></div><section id="selectRegularArticle-MutualofOmahaLifeInsurance-2" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-2" data-analytics="selectRegularArticle-MutualofOmahaLifeInsurance-2"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/o18f2f96e940" rel="sponsored" target="_blank">Mutual of Omaha Life Insurance </a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/o18f2f96e940" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:2:MutualofOmahaLifeInsurance" data-analytics-id="LEARN MORE:2:MutualofOmahaLifeInsurance">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Online quote for term policy</h4><div class="Features-styles-select-value--ApaQp"><p>Yes</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Policy highlights</h4><div class="Features-styles-select-value--ApaQp"><p>Mutual of Omaha offers term, whole, indexed universal life and universal life policies</p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Policies available up to age 85 </li><li class="ProsAndCons-styles-select-item--ZT8du">No-medical-exam policies available</li><li class="ProsAndCons-styles-select-item--ZT8du">Can convert term life into whole life policy with no medical exam</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Guaranteed whole life limited to $25,000</li><li class="ProsAndCons-styles-select-item--ZT8du">Online term life quotes not available</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/o18f2f96e940" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:2:MutualofOmahaLifeInsurance" data-analytics-id="LEARN MORE:2:MutualofOmahaLifeInsurance">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><strong>Who&#x27;s this for? </strong><a href="https://secure.money.com/pr/o18f2f96e940" rel="nofollow" target="_blank">Mutual of Omaha</a>&#x27;s <a href="https://www.cnbc.com/select/no-exam-life-insurance/">no-exam</a> whole life policies are available for <a href="https://www.cnbc.com/select/best-life-insurance-seniors/">seniors</a> up to age 85 and term life is available up to age 80, which are higher age limits than many competitors.</p><p>Standout benefits: <a href="https://www.cnbc.com/select/best-long-term-care-insurance/">Long-term care insurance</a> is available from Mutual of Omaha to applicants between ages 30 and 79, with a 15% discount for couples who enroll together and a 5% discount if only one partner gets coverage.</p><div style="height:100%" class="lazyload-placeholder"></div><p><a href="#1zctaHiD7G"><strong>[ Jump to more details ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline2"></a>Best for term life insurance: Protective</h2><div class="internal-link" id="l9RRrhbIcc"></div><section id="selectRegularArticle-ProtectiveLifeMemberAdvantageLifeTermLifeInsurance-3" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-3" data-analytics="selectRegularArticle-ProtectiveLifeMemberAdvantageLifeTermLifeInsurance-3"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/h8a8678f265d" rel="sponsored" target="_blank">Protective Life Member Advantage Life Term Life Insurance</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/h8a8678f265d" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:3:ProtectiveLifeMemberAdvantageLifeTermLifeInsurance" data-analytics-id="LEARN MORE:3:ProtectiveLifeMemberAdvantageLifeTermLifeInsurance">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Online quote for term policy</h4><div class="Features-styles-select-value--ApaQp"><p>Yes</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Policy highlights</h4><div class="Features-styles-select-value--ApaQp"><p>Term life insurance policies are available for up to 30 years with coverage ranging from $100,000 to $5 million.</p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Competitive rates</li><li class="ProsAndCons-styles-select-item--ZT8du">Policy with premiums payable up to age 100</li><li class="ProsAndCons-styles-select-item--ZT8du">Costco members can save an average of 15%</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Only one term-life policy</li><li class="ProsAndCons-styles-select-item--ZT8du">Not available in New York</li><li class="ProsAndCons-styles-select-item--ZT8du">May require a medical exam</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/h8a8678f265d" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:3:ProtectiveLifeMemberAdvantageLifeTermLifeInsurance" data-analytics-id="LEARN MORE:3:ProtectiveLifeMemberAdvantageLifeTermLifeInsurance">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><strong>Who&#x27;s this for? </strong>If you only want coverage for a set period, <a href="https://secure.money.com/pr/h8a8678f265d" rel="nofollow" target="_blank">Protective</a> has terms of up to 40 years — a rarity in the industry.</p><p><strong>Standout benefit</strong>: Protective <a href="https://www.cnbc.com/select/what-is-term-life-insurance/">term life insurance</a> can be converted into any permanent policy in the first five years. After that, you can convert it to whole life.</p><p><a href="#BjDl4ZlOFT"><strong>[ Jump to more details ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline3"></a>Best for whole life insurance: MassMutual</h2><div class="internal-link" id="HNovx_346Q"></div><section id="selectRegularArticle-MassMutualLifeInsurance-4" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-4" data-analytics="selectRegularArticle-MassMutualLifeInsurance-4"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/gb55358d1ed8" rel="sponsored" target="_blank">MassMutual Life Insurance</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/gb55358d1ed8" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:4:MassMutualLifeInsurance" data-analytics-id="LEARN MORE:4:MassMutualLifeInsurance">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Online quote for term policy</h4><div class="Features-styles-select-value--ApaQp"><p>No</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Policy highlights</h4><div class="Features-styles-select-value--ApaQp"><p>MassMutual has several whole life insurance options, including a survivorship policy, as well as universal and variable life insurance products.</p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Variety of term and permanent policies</li><li class="ProsAndCons-styles-select-item--ZT8du">High customer satisfaction rankings</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Online quotes are not available</li><li class="ProsAndCons-styles-select-item--ZT8du">Policies must be purchased through an agent</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/gb55358d1ed8" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:4:MassMutualLifeInsurance" data-analytics-id="LEARN MORE:4:MassMutualLifeInsurance">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><strong>Who&#x27;s this for:</strong> <a href="https://secure.money.com/pr/gb55358d1ed8" rel="nofollow" target="_blank">MassMutual</a> offers several <a href="https://www.cnbc.com/select/what-is-whole-life-insurance/">whole life insurance</a> options, including a survivorship whole life insurance policy and many choices on how long you&#x27;ll pay premiums to keep a policy within your budget.</p><p><strong>Standout benefits:</strong> MassMutual has paid dividends to eligible policyholders annually since 1869, with a record 6.4% interest rate set for 2025.</p><p><a href="#kI3EHuw-s0"><strong>[ Jump to more details ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline4"></a>Best for universal life insurance: Pacific Life</h2><div class="internal-link" id="W-LjRQzdlq"></div><section id="selectRegularArticle-PacificLifeLifeInsurance-5" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-5" data-analytics="selectRegularArticle-PacificLifeLifeInsurance-5"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/tc64c4d5ef2a" rel="sponsored" target="_blank">Pacific Life Life Insurance</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/tc64c4d5ef2a" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:5:PacificLifeLifeInsurance" data-analytics-id="LEARN MORE:5:PacificLifeLifeInsurance">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Online quote for term policy</h4><div class="Features-styles-select-value--ApaQp"><p>No</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Policy highlights</h4><div class="Features-styles-select-value--ApaQp"><p>Pacific Life offers term, permanent and no-exam life insurance, with an accelerated death benefit included at no charge.</p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Most plans have age limit of 90 for enrollment</li><li class="ProsAndCons-styles-select-item--ZT8du">Term policies can convert to permanent life without an exam</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">No online quotes</li><li class="ProsAndCons-styles-select-item--ZT8du">Must be purchased through an advisor</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/tc64c4d5ef2a" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:5:PacificLifeLifeInsurance" data-analytics-id="LEARN MORE:5:PacificLifeLifeInsurance">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><strong>Who&#x27;s this for?</strong> <a href="https://secure.money.com/pr/tc64c4d5ef2a" rel="nofollow" target="_blank">Pacific Life</a> stands out for having both indexed and variable <a href="https://www.cnbc.com/select/universal-life-insurance-what-is-it-how-does-it-work/">universal life insurance</a>. Plans build cash value early on and can address specific concerns, like supplementing retirement income.  </p><p><strong>Standout benefits: </strong>Pacific Life doesn&#x27;t set maximum coverage limits for its plans, with some policies paying out more than $10 million.</p><p><a href="#1CngpNXxjo"><strong>[ Jump to more details ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline5"></a>Best for long-term care insurance: Nationwide</h2><div class="internal-link" id="XFLI6c5Lrg"></div><section id="selectRegularArticle-NationwideCareMatters-6" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-6" data-analytics="selectRegularArticle-NationwideCareMatters-6"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/e4a672630c00" rel="sponsored" target="_blank">Nationwide CareMatters</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/e4a672630c00" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:6:NationwideCareMatters" data-analytics-id="LEARN MORE:6:NationwideCareMatters">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Standout benefits</h4><div class="Features-styles-select-value--ApaQp"><p>Nationwide&#x27;s CareMatters and CareMatters Together policies combine life insurance coverage and long-term care benefits. They&#x27;re cash indemnity policies, so you get the full amount montly instead of waiting for reimbursement.</p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Highly rated for customer service</li><li class="ProsAndCons-styles-select-item--ZT8du">Cash indemnity benefit with no restrictions on how it can be spent</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Standalone policies not available</li><li class="ProsAndCons-styles-select-item--ZT8du">Medical exam may be required</li><li class="ProsAndCons-styles-select-item--ZT8du">Nationwide CareMatters Together not available in California or New York</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/e4a672630c00" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:6:NationwideCareMatters" data-analytics-id="LEARN MORE:6:NationwideCareMatters">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><strong>Who&#x27;s this for?</strong> <a href="https://secure.money.com/pr/e4a672630c00" rel="nofollow" target="_blank">Nationwide</a> has two hybrid <a href="https://www.cnbc.com/select/what-is-long-term-care-insurance/">long-term care insurance</a> policies, CareMatters and CareMatters Together, which pay out for up to seven years and have a cash indemnity benefit, so you don&#x27;t have to wait to get reimbursed. It also has a long-term care rider on some life insurance policies.</p><p><strong>Standout benefits: </strong>Nationwide&#x27;s advanced underwriting program enables healthy applicants to get approved for up to $5 million in term life coverage without an exam. You can make one-time, monthly or annual payments for five or 10 years, or until age 65 or 100.</p><p><a href="#NPXn_jFYWKv"><strong>[ Jump to more details ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline6"></a>Best for smokers: Ethos</h2><div class="internal-link" id="yWzWpXigDR"></div><section id="selectRegularArticle-EthosLifeInsurance-7" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-7" data-analytics="selectRegularArticle-EthosLifeInsurance-7"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/z4926d2b95a8" rel="sponsored" target="_blank">Ethos Life Insurance</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/z4926d2b95a8" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:7:EthosLifeInsurance" data-analytics-id="LEARN MORE:7:EthosLifeInsurance">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Online quote for term policy</h4><div class="Features-styles-select-value--ApaQp"><p>Yes</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Policy highlights</h4><div class="Features-styles-select-value--ApaQp"><p>Ethos offers term and permanent policies from top providers like Ameritas, TruStage, Mutual of Omaha, CMFG and Legal &amp; General America. Will and estate planning tools included with most policies.</p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">No medical exam</li><li class="ProsAndCons-styles-select-item--ZT8du">Guaranteed acceptance option</li><li class="ProsAndCons-styles-select-item--ZT8du">Instant coverage</li><li class="ProsAndCons-styles-select-item--ZT8du">100% online application</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Limited customization</li><li class="ProsAndCons-styles-select-item--ZT8du">Whole life policies only available to adults 66 to 85</li><li class="ProsAndCons-styles-select-item--ZT8du">Not available in New York</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/z4926d2b95a8" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:7:EthosLifeInsurance" data-analytics-id="LEARN MORE:7:EthosLifeInsurance">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><strong>Who&#x27;s this for? </strong>Smokers pay more for life insurance but <a href="https://secure.money.com/pr/z4926d2b95a8" rel="nofollow" target="_blank">Ethos</a> has reasonable rates for smokers in good health and with no other risk factors. In most cases, you can get up to $2 million in coverage without a medical exam.</p><p><strong>Standout benefits: </strong>Adults 65 to 85 can qualify for a whole life policy that can be used for final expenses with a payout of up to $25,000.</p><p><a href="#4a3GoOhT6nh"><strong>[ Jump to more details ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline7"></a>Best for riders: Northwestern Mutual</h2><div class="internal-link" id="vYYxgD1bl7"></div><section id="selectRegularArticle-NorthwesternMutualLifeInsurance-8" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-8" data-analytics="selectRegularArticle-NorthwesternMutualLifeInsurance-8"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/k741799c49ba" rel="sponsored" target="_blank">Northwestern Mutual Life Insurance</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/k741799c49ba" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:8:NorthwesternMutualLifeInsurance" data-analytics-id="LEARN MORE:8:NorthwesternMutualLifeInsurance">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Online quote for term policy</h4><div class="Features-styles-select-value--ApaQp"><p>No</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Policy highlights</h4><div class="Features-styles-select-value--ApaQp"><p>Northwestern Mutual offers five term, whole life and universal life policies. Dividends have been paid to eligible policyholders annually since 1872.<br/><br/><strong>Read our </strong><a href="https://www.cnbc.com/select/northwestern-mutual-life-insurance-review-2023/"><strong>review of Northwest Mutual Life Insurance</strong></a><strong>.</strong></p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Highly rated for customer satisfaction</li><li class="ProsAndCons-styles-select-item--ZT8du">Has paid dividends annually since 1872</li><li class="ProsAndCons-styles-select-item--ZT8du">Standalone long-term-care policy and rider available</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Can&#x27;t buy policies online</li><li class="ProsAndCons-styles-select-item--ZT8du">All policies require a medical exam</li><li class="ProsAndCons-styles-select-item--ZT8du">Customer service not available on weekends</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/k741799c49ba" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:8:NorthwesternMutualLifeInsurance" data-analytics-id="LEARN MORE:8:NorthwesternMutualLifeInsurance">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><strong>Who&#x27;s this for?</strong> <a href="https://secure.money.com/pr/k741799c49ba" rel="nofollow" target="_blank">Northwestern Mutual</a> has a generous number of useful endorsements and <a href="https://www.cnbc.com/select/what-is-a-life-insurance-rider/">riders</a>, including a long-term care rider, an additional purchase benefit and a waiver of premium rider, which can keep coverage from lapsing even if you can&#x27;t pay premiums because of an illness or disability.</p><p><strong>Standout benefits: </strong>You can convert a term life insurance policy into whole life with no underwriting or medical exam.</p><p><a href="#JVfvU2Ym6S"><strong>[ Jump to more details ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline8"></a>Best for final expense coverage: State Farm</h2><div class="internal-link" id="WdJF-EtR-i"></div><section id="selectRegularArticle-StateFarmLifeInsurance-9" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-9" data-analytics="selectRegularArticle-StateFarmLifeInsurance-9"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/b9877012b33a" rel="sponsored" target="_blank">State Farm Life Insurance</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/b9877012b33a" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:9:StateFarmLifeInsurance" data-analytics-id="LEARN MORE:9:StateFarmLifeInsurance">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Online quote for term policy</h4><div class="Features-styles-select-value--ApaQp"><p>Yes</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Policy highlights</h4><div class="Features-styles-select-value--ApaQp"><p>State Farm offers nearly a dozen term, whole, and universal life insurance products, including survivorship and no-medical exam plans.</p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Reasonable rates</li><li class="ProsAndCons-styles-select-item--ZT8du">Top-rated for customer service</li><li class="ProsAndCons-styles-select-item--ZT8du">Return of premium benefit available</li><li class="ProsAndCons-styles-select-item--ZT8du">Term policies can be converted to permanent </li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Policies must be purchased through a State Farm agent</li><li class="ProsAndCons-styles-select-item--ZT8du">Doesn&#x27;t sell policies in Rhode Island or Massachusetts</li><li class="ProsAndCons-styles-select-item--ZT8du">Fewer riders than the competition</li><li class="ProsAndCons-styles-select-item--ZT8du">Accelerated death benefit costs extra </li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/b9877012b33a" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:9:StateFarmLifeInsurance" data-analytics-id="LEARN MORE:9:StateFarmLifeInsurance">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><strong>Who&#x27;s this for: </strong><a href="https://secure.money.com/pr/b9877012b33a" rel="nofollow" target="_blank">State Farm</a> offers affordable <a href="https://www.cnbc.com/select/best-burial-insurance-companies/">final expense insurance</a>, which can pay for funeral arrangements, outstanding legal or medical bills and other expenses your loved ones may face. Policies are available with up to $15,000 death benefits for those between ages 45 and 85 (50 to 75 in New York) .</p><p><strong>Standout benefits</strong>: Final expense coverage is a guaranteed issue policy, so your approval is almost instant and doesn&#x27;t hinge on answers to medical questions or an exam.</p><p><a href="#uM7yPiT6gfT"><strong>[ Jump to more details ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline9"></a>Best for no medical exam: Ladder</h2><div class="internal-link" id="8Lx1ttB4mC"></div><section id="selectRegularArticle-LadderLifeInsurance-10" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-10" data-analytics="selectRegularArticle-LadderLifeInsurance-10"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/a85d6a5d5926" rel="sponsored" target="_blank">Ladder Life Insurance</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/a85d6a5d5926" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:10:LadderLifeInsurance" data-analytics-id="LEARN MORE:10:LadderLifeInsurance">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Cost</h4><div class="Features-styles-select-value--ApaQp"><p>The best way to estimate your costs is to request a quote</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Online quote for term policy</h4><div class="Features-styles-select-value--ApaQp"><p>Yes</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Policy highlights</h4><div class="Features-styles-select-value--ApaQp"><p>Digital-first life Ladder offers no-exam term life insurance with up to $3 million in coverage. Policyholders can adjust coverage and premiums for free as needs change.</p></div></li></ul></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">No-exam term life with coverage up to $3 million</li><li class="ProsAndCons-styles-select-item--ZT8du">Online application process</li><li class="ProsAndCons-styles-select-item--ZT8du">Can adjust premiums and coverage for free as needs change</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">No riders</li><li class="ProsAndCons-styles-select-item--ZT8du">No permanent life insurance </li><li class="ProsAndCons-styles-select-item--ZT8du">Enrollment age limit is 60 years old</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/a85d6a5d5926" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:10:LadderLifeInsurance" data-analytics-id="LEARN MORE:10:LadderLifeInsurance">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><strong>Who&#x27;s this for?</strong> <a href="https://secure.money.com/pr/a85d6a5d5926" rel="nofollow" target="_blank">Ladder</a>&#x27;s term life insurance offers no-medical-exam policies for up to $3 million, three times what some competitors offer.</p><p><strong>Standout benefits: </strong>Ladder&#x27;s most unique feature is that coverage is adjustable, so you can dial it back later in life when you&#x27;ve met goals like paying off your mortgage.</p><p><a href="#fn7Gx1MPkok"><strong>[ Jump to more details ]</strong></a> </p></div><div class="PartnerOffers-container" id="article-partner-offer-108036179"><div class="PartnerOffers-topSection"><div class="PartnerOffers-headlineRow"><div class="Heading-styles-select-level3--yTk8m">Need a term life insurance quote and interested in bundling discounts?</div></div><div><div class="Disclosure-disclosures" data-testid="disclosure"><p class="Disclaimer-styles-select-disclaimerContent--RYK3d">Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.</p></div></div></div><div class="PartnerOffers-bottomSection"><div class="Carousel-styles-select-carousel--aEtWQ" data-testid="carousel"><div class="Carousel-styles-select-carouselSlide--WUqSd" data-testid="carousel-slide"><div class="PartnerOfferCard-partnerOfferCard Carousel-styles-select-carouselCard--OzvLG Carousel-styles-select-twoCards--kayn6" data-testid="partner-offer-card"><img class="PartnerOfferCard-image PartnerOfferCard-outerImage" src="https://fm.cnbc.com/applications/cnbc.com/resources/product_select/2024/03/29/Amica_Logo.png" alt="" data-testid="partner-offer-card__image--outer"/><div class="PartnerOfferCard-learnMoreAndHeadingContainer"><div class="PartnerOfferCard-headingAndGridContainer"><div class="PartnerOfferCard-headingContainer"><img class="PartnerOfferCard-image PartnerOfferCard-innerImage" src="https://fm.cnbc.com/applications/cnbc.com/resources/product_select/2024/03/29/Amica_Logo.png" alt="" data-testid="partner-offer-card__image--inner"/><a href="https://secure.money.com/pr/rb8b57ff27ae" class="PartnerOfferCard-titleLink" target="_blank" tabindex="-1"><div class="Heading-styles-select-level4--WUnmL" data-testid="partner-offer-card__title">Amica Life Insurance </div></a></div><div data-testid="product-data-grid" class="ProductDataGrid-styles-select-container--nV33Z PartnerOfferCard-partnerOfferGrid ProductDataGrid-styles-select-singleItem--CmmEU"><div class="ProductDataGridItem-styles-select-item--SJoD3"><div class="ProductDataGridItem-styles-select-headingContainer--eqm00"><div class="ProductDataGridItem-styles-select-heading--c2XsX">Highlights</div></div><div class="ProductDataGridItem-styles-select-contentContainer--KbRmj"><p class="ProductDataGridItem-styles-select-content--wwq_l"><p>Amica offers a level term life insurance and whole life insurance policies payable for 20 years or until ages 65 or 100. Both include a terminal illness rider at no extra charge.</p></p></div></div></div></div><div data-testid="call-to-action-block" class="CallToActionBlock-styles-select-container--eAHdm PartnerOfferCard-learnMore"><a href="https://secure.money.com/pr/rb8b57ff27ae" class="CallToActionButton-styles-select-callToActionButton--mxw61" target="_blank" role="button" aria-label="Learn more about Amica Life Insurance " data-analytics="LEARN MORE:partner-offer-card" data-analytics-id="LEARN MORE:partner-offer-card">LEARN MORE</a><div class="CallToActionBlock-styles-select-disclaimer--dc39H" data-testid="disclaimer"><p>Terms Apply</p></div></div></div></div><div class="PartnerOfferCard-partnerOfferCard Carousel-styles-select-carouselCard--OzvLG Carousel-styles-select-twoCards--kayn6 PartnerOffers-shiftLastTooltip" data-testid="partner-offer-card"><img class="PartnerOfferCard-image PartnerOfferCard-outerImage" src="https://fm.cnbc.com/applications/cnbc.com/resources/product_select/2023/01/31/Pacific_Life_012023.png" alt="" data-testid="partner-offer-card__image--outer"/><div class="PartnerOfferCard-learnMoreAndHeadingContainer"><div class="PartnerOfferCard-headingAndGridContainer"><div class="PartnerOfferCard-headingContainer"><img class="PartnerOfferCard-image PartnerOfferCard-innerImage" src="https://fm.cnbc.com/applications/cnbc.com/resources/product_select/2023/01/31/Pacific_Life_012023.png" alt="" data-testid="partner-offer-card__image--inner"/><a href="https://secure.money.com/pr/tc64c4d5ef2a" class="PartnerOfferCard-titleLink" target="_blank" tabindex="-1"><div class="Heading-styles-select-level4--WUnmL" data-testid="partner-offer-card__title">Pacific Life Life Insurance</div></a></div><div data-testid="product-data-grid" class="ProductDataGrid-styles-select-container--nV33Z PartnerOfferCard-partnerOfferGrid ProductDataGrid-styles-select-singleItem--CmmEU"><div class="ProductDataGridItem-styles-select-item--SJoD3"><div class="ProductDataGridItem-styles-select-headingContainer--eqm00"><div class="ProductDataGridItem-styles-select-heading--c2XsX">Highlights</div></div><div class="ProductDataGridItem-styles-select-contentContainer--KbRmj"><p class="ProductDataGridItem-styles-select-content--wwq_l"><p>Pacific Life offers term, permanent and no-exam life insurance, with an accelerated death benefit included at no charge.</p></p></div></div></div></div><div data-testid="call-to-action-block" class="CallToActionBlock-styles-select-container--eAHdm PartnerOfferCard-learnMore"><a href="https://secure.money.com/pr/tc64c4d5ef2a" class="CallToActionButton-styles-select-callToActionButton--mxw61" target="_blank" role="button" aria-label="Learn more about Pacific Life Life Insurance" data-analytics="LEARN MORE:partner-offer-card" data-analytics-id="LEARN MORE:partner-offer-card">LEARN MORE</a><div class="CallToActionBlock-styles-select-disclaimer--dc39H" data-testid="disclaimer"><p>Terms Apply</p></div></div></div></div></div></div></div></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline10"></a>More on our top life insurance companies </h2><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline11"></a>Amica </h2><div class="internal-link" id="OgkLUlYtTX"></div><div class="group"><p>Founded as the Automobile Mutual Insurance Company of America in 1907, <a href="https://secure.money.com/pr/rb8b57ff27ae" rel="nofollow" target="_blank">Amica</a> offers <a href="https://secure.money.com/pr/f27899a0e617" rel="nofollow" target="_blank">auto</a>, <a href="https://secure.money.com/pr/k68eead71bf2" rel="nofollow" target="_blank">home</a>, <a href="https://secure.money.com/pr/rb8b57ff27ae" rel="nofollow" target="_blank">life</a>, <a href="https://secure.money.com/pr/r2c350c9e2c0" rel="nofollow" target="_blank">renters</a>, <a href="https://secure.money.com/pr/j76810949750" rel="nofollow" target="_blank">flood</a>, <a href="https://www.amica.com/en/products/small-business.html" rel="nofollow" target="_blank">small business</a> and <a href="https://www.cnbc.com/select/best-life-insurance-companies/">pet insurance</a>. Depending on where you live, Amica offers dividend policies with returns up to 20% of your annual premium and discounts for bundling life and auto insurance.<br/><br/><strong>Availability: </strong>Nationwide except Hawaii</p><p><strong>Policies: </strong>Term and whole</p><p><strong>J.D. Power customer satisfaction ranking:</strong> Not ranked</p><p><strong>NAIC complaint index:</strong> Fewer than expected</p><p><strong>A.M. Best financial strength rating: </strong>A+ (Superior)</p><p><a href="#6ivu8H0JX"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline12"></a>Mutual of Omaha</h2><div class="internal-link" id="1zctaHiD7G"></div><div class="group"><p><a href="https://secure.money.com/pr/o18f2f96e940" rel="nofollow" target="_blank">Mutual of Omaha</a> was established in 1909 as the Mutual Benefit Health &amp; Accident Association. It paid out $7.1 billion in benefits in 2023, representing nearly 6.5 million policies in force. Mutual of Omaha also offers <a href="https://secure.money.com/pr/b52949189a2c" rel="nofollow" target="_blank">long-term care</a> and <a href="https://secure.money.com/pr/b8dcc9b2880d" rel="nofollow" target="_blank">disability insurance</a>, supplemental Medicare, mortgages and investment services.</p><p><strong>Availability</strong>: Available nationwide except in New York</p><p><strong>Policies:</strong> Term, whole, universal, indexed universal, guaranteed issue whole</p><p><strong>J.D. Power customer satisfaction ranking: </strong>Above average</p><p><strong>NAIC complaint index:</strong> Fewer than expected</p><p><strong>A.M. Best financial strength rating: </strong>A+ (Superior)</p><p><a href="#iDz7UObR7h"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline13"></a>Protective</h2><div class="internal-link" id="BjDl4ZlOFT"></div><div class="group"><p>Nashville-based <a href="https://secure.money.com/pr/h8a8678f265d" rel="nofollow" target="_blank">Protective</a><strong> </strong>has more than 14 million policies in force in 2024. In addition to term, whole and seven different universal life policies, the brand also offers <a href="https://www.cnbc.com/select/best-disability-insurance/">disability insurance</a>, annuities and other financial products.</p><p><strong>Availability</strong>: Available in all 50 states</p><p><strong>Policies: </strong>Term, whole universal, variable universal</p><p><strong>J.D. Power customer satisfaction ranking: </strong>Above average</p><p><strong>NAIC complaint index</strong> Fewer than expected</p><p><strong>A.M. Best financial strength rating: </strong>A+ (Superior)</p><p><a href="#l9RRrhbIcc"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline14"></a>MassMutual</h2><div class="internal-link" id="kI3EHuw-s0"></div><div class="group"><p><a href="https://secure.money.com/pr/gb55358d1ed8" rel="nofollow" target="_blank">The Massachusetts Mutual Life Insurance Company</a> — or <a href="https://secure.money.com/pr/gb55358d1ed8" rel="nofollow" target="_blank">MassMutual</a> — has more than $1 trillion in life insurance protection in force. It also offers retirement planning and investment management services.</p><p><strong>Available:</strong> Available nationwide except in Alaska</p><p><strong>Policies: </strong>Term, whole, universal, variable universal</p><p><strong>J.D. Power customer satisfaction ranking: </strong>Above average</p><p><strong>NAIC complaint index</strong>: Greater than expected</p><p><strong>A.M. Best financial strength rating: </strong>A++ (Superior)</p><p><a href="#HNovx_346Q"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline15"></a>Pacific Life</h2><div class="internal-link" id="1CngpNXxjo"></div><div class="group"><p>Founded in 1868 with help from former California Governor Leland Stanford, <a href="https://secure.money.com/pr/tc64c4d5ef2a" rel="nofollow" target="_blank">Pacific Life</a> had $1.3 trillion in life insurance policies in force in 2023 and paid out $18 billion in benefits.</p><p><strong>Availability</strong>: Available nationwide except in New York</p><p><strong>Policies: </strong>Term, whole, universal, variable universal, indexed universal, survivorship indexed universal, survivorship variable universal</p><p><strong>J.D. Power customer satisfaction ranking: </strong>Above average</p><p><strong>NAIC complaint index</strong> Fewer than expected</p><p><strong>A.M. Best financial strength rating: </strong>A+ (Superior)</p><p><a href="#W-LjRQzdlq"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline16"></a>Nationwide</h2><div class="internal-link" id="NPXn_jFYWKv"></div><div class="group"><p>One of the largest life insurance companies in the U.S., <a href="https://secure.money.com/pr/v5ccf9583cac" rel="nofollow" target="_blank">Nationwide</a> started out in Columbus, Ohio, in 1926. In addition to life insurance, it offers highly customizable <a href="https://www.cnbc.com/select/what-is-long-term-care-insurance/">long-term care insurance</a>, with no restrictions on how benefits can be used.</p><p><strong>Availability</strong>: Nationwide CareMatters not available in California or New York</p><p><strong>Policies: </strong>Term, whole, universal, variable universal</p><p><strong>J.D. Power customer satisfaction ranking:</strong> Above average</p><p><strong>NAIC complaint index:</strong> Greater than expected</p><p><strong>A.M. Best financial strength rating:</strong> A (Excellent)</p><p><a href="#XFLI6c5Lrg"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline17"></a>Ethos</h2><div class="internal-link" id="4a3GoOhT6nh"></div><div class="group"><p>Online insurance broker <a href="https://secure.money.com/pr/z4926d2b95a8" rel="nofollow" target="_blank">Ethos</a> offers a fully digital application and no-exam plans underwritten by top providers, including Ameritas, TruStage, Mutual of Omaha, CMFG and Legal &amp; General America. Policies come with free estate planning tools.</p><p><strong>Availability</strong>: Available nationwide except in New York</p><p><strong>Policies: </strong>Term and whole</p><p><strong>J.D. Power customer satisfaction ranking:</strong> Not ranked</p><p><strong>NAIC complaint index:</strong> Depends on underwriter</p><p><strong>A.M. Best financial strength rating:</strong> A (Excellent)</p><p><a href="#yWzWpXigDR"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline18"></a>Northwestern Mutual  </h2><div class="internal-link" id="JVfvU2Ym6S"></div><div class="group"><p><a href="https://secure.money.com/pr/k741799c49ba" rel="nofollow" target="_blank">Northwestern Mutual</a> is the second-largest life insurance company in the U.S., holding a 6.74% market share in 2023 and more than $13 billion in direct premiums. It&#x27;s paid out dividends annually since 1872, with a record payout of $8.2 billion announced for 2025. Northwest Mutual also offers <a href="https://secure.money.com/pr/lb6b9fd24f77" rel="nofollow" target="_blank">disability insurance</a>, annuities, financial planning services and more.</p><p><strong>Availability</strong>: Available in all 50 states</p><p><strong>Policies: </strong>Term, whole, universal and variable universal </p><p><strong>J.D. Power customer satisfaction ranking: </strong>Above average</p><p><strong>NAIC complaint index:</strong> Fewer than expected</p><p><strong>A.M. Best financial strength rating: </strong>A++<em> </em>(Superior)</p><p><a href="#vYYxgD1bl7"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline19"></a>State Farm</h2><div class="internal-link" id="uM7yPiT6gfT"></div><div class="group"><p>While it started with auto insurance in 1922, <a href="https://secure.money.com/pr/b9877012b33a" rel="nofollow" target="_blank">State Farm</a> is now one of the largest life insurance providers in the U.S., with $1.1 trillion in policies in force and over $725 million in dividends issued in 2023. In addition to life and <a href="https://secure.money.com/pr/i4ce986d7c7d" rel="nofollow" target="_blank">auto</a>, State Farm offers coverage for <a href="https://www.bankrate.com/landing/select/best-homeinsurance-options-cnbc/?mf_ct_campaign=cnbc-homeins-statefarm-spl-lp&amp;product-name=State+Farm+Home+Insurance&amp;sub-id=PLACESUBIDHERE" rel="nofollow" target="_blank">homes</a>, <a href="https://secure.money.com/pr/ud434ebb3b18" rel="nofollow" target="_blank">condos</a>, <a href="https://secure.money.com/pr/w5d9d59ddb2c" rel="nofollow" target="_blank">renters</a>, businesses and <a href="https://secure.money.com/pr/v6ae5a5b14d1" rel="nofollow" target="_blank">pets</a> (in partnership with Trupanion).<br/><br/><strong>Availability: </strong>Nationwide except Massachusetts and Rhode Island</p><p><strong>Policies: </strong>Term, whole, universal and joint universal </p><p><strong>J.D. Power customer satisfaction ranking: </strong>Above average</p><p><strong>NAIC complaint index:</strong> Fewer than expected</p><p><strong>A.M. Best financial strength rating: </strong>A++ (Superior)</p><p><a href="#WdJF-EtR-i"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline20"></a>Ladder</h2><div class="internal-link" id="fn7Gx1MPkok"></div><div class="group"><p>Online provider <a href="https://secure.money.com/pr/a85d6a5d5926" rel="nofollow" target="_blank">Ladder</a> only arrived on the scene in 2015, but its no-frills term policies are backed by Amica, Allianz, Fidelity Security and other well-established insurance companies. Policies are available to applicants between 20 and 60 years old.<br/><br/><strong>Availability: </strong>Available in all 50 states, depending on underwriter.</p><p><strong>Policies: </strong>Term</p><p><strong>J.D. Power customer satisfaction ranking: </strong>Not ranked</p><p><strong>NAIC complaint index</strong> Fewer than expected</p><p><strong>A.M. Best financial strength rating: </strong>Depends on underwriter</p><p><a href="#8Lx1ttB4mC"><strong>[ Return to summary ]</strong></a> </p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline21"></a>What is life insurance?</h2><div class="group"><p>In its most basic form, <a href="https://www.cnbc.com/select/how-much-life-insurance-do-i-need/">life insurance</a> provides money to your beneficiaries in the event of your death. <br/><br/>In many cases, these funds are intended to replace the income lost by your passing — to cover everything from daily expenses to sending your children to college. But the payout, known as a death benefit, can also be used for a burial, help settle your estate or provide a financial legacy.<br/><br/>There are also policies that pay out if you&#x27;re diagnosed with a disability or terminal illness, allowing you to pay for care while you&#x27;re still alive. And some have a cash value component that accrues over time.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline22"></a>How does life insurance work?</h2><div class="group"><p>Life insurance functions differently depending on what type of policy you choose. For individual life insurance (not provided through your workplace), you&#x27;ll typically select a plan and provide personal information for the provider to use in its underwriting process. You may have to undergo a <a href="https://www.cnbc.com/select/no-exam-life-insurance/">medical exam</a> to determine what level of risk you pose to the insurer.</p><p>If you&#x27;re accepted, you&#x27;ll begin paying monthly premiums and coverage will begin.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline23"></a>How much life insurance do I need?</h2><div class="group"><p>There&#x27;s no set amount of life insurance coverage for everyone. Many experts suggest getting a policy with a payout equal to <a href="https://www.cnbc.com/2014/10/03/how-much-life-insurance-do-you-need.html">10 times your annual salary</a>.</p><p>Another strategy is the DIME method, which<strong> </strong>adds up the total sum from these four categories:</p><ul><li><strong>Debt: </strong>All the debt you would leave to your family after your death.</li><li><strong>Income: </strong>Your annual income multiplied by the number of years you think your family would need your financial support after you die.</li><li><strong>Mortgage: </strong>Your outstanding mortgage and property taxes.</li><li><strong>Education: </strong>How much it would cost to put each of your children through college.</li></ul><p>The human-life value (HLV) approach calculates how much money you provide your family for a set time and how much life insurance you&#x27;d need to replace that income.</p><ul><li>Estimate your average annual income for the rest of your earning years.<strong> </strong>(Err on the side of being generous.)</li><li>Subtract how much money you’d expect to spend on yourself, including your personal taxes and expenses.</li><li>Consider how long your family will need to rely on your future earnings until <a href="https://www.cnbc.com/select/average-retirement-account-balance/">your retirement</a> or until your children can earn an income.</li><li>Then multiply the net annual salary your beneficiaries will need by the number of years they&#x27;ll need it.</li><li>The result is your future earnings (or “future value”) that your policy is trying to replace.</li><li>The final step is to calculate the present value of your future earnings<strong> (</strong>i.e. how much life insurance you need to buy now). Because your death benefit will likely be held in an interest-bearing account, assume it will earn a conservative rate of return of 5%. For the purposes of the HLV calculation, this rate of return is called the “discount rate.”</li><li>Now, you can figure out the amount using a <a href="https://www.calculator.net/present-value-calculator" target="_blank">present value calculator</a> or do it manually with the formula PV = FV÷ (1 + discount rate)<sup>time period </sup>.</li></ul></div><div class="group InfoPanel-styles-select-container--AF446" id="SelectRegularArticle-InfoPanel-1" data-test="InfoPanel" data-analytics="SelectRegularArticle-InfoPanel"><div class="InfoPanel-styles-select-header--fSlKK">An example of the human-life value approach to life insurance</div><div class="InfoPanel-styles-select-content--P6o4_"><p>Let’s say you expect to make $80,000 a year on average for the next 15 years before you retire. You’d pay $24,000 in taxes and expenses and use the remaining $56,000 to support your family. If you expect to retire in 15 years, that brings your future earnings to $840,000. <br/><br/>Adjusted for the 5% discount rate, the present value is $404,054, which is how much life insurance you should buy.</p></div></div><div class="group"><p>These are all just rough estimates, however, that don&#x27;t consider the age of your dependents, any unusual assets or debts, an expected inheritance or other specific circumstances. I<br/><br/>It&#x27;s a good idea to <a href="https://www.cnbc.com/select/financial-advisor-vs-financial-planner/">work with a financial advisor</a> to determine your specific amount of coverage.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline24"></a>How much does life insurance cost?</h2><div class="group"><p>For a term life policy, which generally has the lowest premiums, a 30-year-old female in good health will pay an average of about $23 per month for a $500,000, 20-year term policy, according to November 2024 data from <a href="https://www.policygenius.com/life-insurance/life-insurance-rates/" target="_blank">Policygenius</a>. A 30-year-old male would pay about $30 per month for the same policy.</p><p>For a $500,000 whole life policy, a 30-year-old female would pay about $408 per month, while a male would pay about $472 per month.</p><p>Several factors play into the cost of premiums, however, including:</p><ul><li><strong>Age</strong>: As we get older, more health issues may emerge, so premiums cost more the older you are.</li><li><strong>Gender</strong>: Men have a shorter life expectancy than women, so they tend to pay more for life insurance.</li><li><strong>Medical history</strong>: Insurance companies consider people diagnosed with or who have a family history of diabetes, high blood pressure, or heart disease a bigger risk to ensure.</li><li><strong>Smoking</strong>: Smoking can shorten your life expectancy by at least 10 years, so smokers can pay more than twice what a nonsmoker would for the same policy.</li><li><strong>Risk factors</strong>: High-risk hobbies, a risky profession or even a spotty driving record can be factors in how much you pay.</li></ul></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline25"></a>Types of life insurance</h2><div class="group"><p>What to know about the most common types of coverage</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>Term life insurance</strong></h3><p>A <a href="https://www.cnbc.com/select/what-is-term-life-insurance/">term life policy</a> is in force for a predetermined number of years, with fixed premiums and a fixed payout if you die. If you survive to the end of the term, there&#x27;s no payout or refund. This is often a cheaper option chosen by families who want to be protected during their most vulnerable years (when children are young, when the mortgage isn&#x27;t paid off, etc.)</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>Whole life insurance</strong></h3><p>Assuming you keep up with payments, <a href="https://www.cnbc.com/select/what-is-whole-life-insurance/">whole life insurance policies</a> remain in effect for your entire life. Premiums and death benefit<a href="https://www.cnbc.com/select/best-burial-insurance-companies/">s</a> are also fixed but, unlike term life, the policy builds <a href="https://www.cnbc.com/select/what-is-cash-value-life-insurance/">cash value</a> you can use to help pay your premiums, make withdrawals or use as collateral for a loan.</p><p>Depending on the company, whole life insurance can also qualify you for dividends. You can use the dividends to pay premiums, take them in cash or leave them with the insurance company to earn interest.</p><p><a href="https://www.cnbc.com/select/best-burial-insurance-companies/">Burial insurance</a> (also known as pre-need, funeral or final expense insurance) is a whole life policy used to pay for a funeral and burial, outstanding medical or legal bills and other end-of-life expenses. Payouts are usually capped at $25,000, though some companies offer up to $40,000 of coverage.</p><p>It&#x27;s a guaranteed issue policy, so you don&#x27;t have to worry about having to get approved or take a medical exam.</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC">Universal life insurance</h3><p>Unlike term and whole life insurance, universal life insurance has premiums and a cash value component that fluctuate and death benefits that aren&#x27;t guaranteed.<br/><br/>There are several different kinds of universal life insurance policies.</p><ul><li><strong>Indexed universal life</strong> builds cash value based on index funds. </li><li><strong>Variable universal life </strong>allows the policyholder<strong> </strong>more control over how premiums are invested. That means the death benefit isn&#x27;t guaranteed if the funds have been poorly managed.</li><li><strong>Guaranteed universal life </strong>offers fixed premiums and a guaranteed payout, but it won&#x27;t accumulate much, if any, cash value. </li></ul></div><div class="ArticleTable-styles-select-basicTableContainer--flwVu" data-test="ArticleTable"><section class="TableHeader-styles-select-container--u1_SL" data-test="TableHeader" style="border-color:#002f6c"></section><div><div class="BasicTable-styles-select-basicTable--tKvJz" data-test="BasicTable"><div class="BasicTable-styles-select-tableWrapper--COOGD"><div class="BasicTable-styles-select-articleContainer--Nm6Qf" style="border-color:#002f6c"><table class="BasicTable-styles-select-table--_WIIF"><thead class="BasicTable-styles-select-tableHeading--RiWLL BasicTable-styles-select-tableHeadingSortable--LYpzd"><tr><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">Type<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">Term length<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">Death benefit<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">Cash value<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">Medical exam<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">Death benefit<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">Best for<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th></tr></thead><tbody class="BasicTable-styles-select-tableBody--eqbZx"><tr valign="middle"><td><span>Term</span></td><td><span>10-30 years</span></td><td><span>Fixed</span></td><td><span>No</span></td><td><span>Varies</span></td><td><span>$100,000+</span></td><td><span>Young families and homeowners</span></td></tr><tr valign="middle"><td><span>Whole</span></td><td><span>Entire life</span></td><td><span>Fixed</span></td><td><span>Yes</span></td><td><span>Varies</span></td><td><span>$50,000+</span></td><td><span>Retirement income</span></td></tr><tr valign="middle"><td><span>Universal</span></td><td><span>Entire life</span></td><td><span>Flexible</span></td><td><span>Yes</span></td><td><span>Yes</span></td><td><span>$50,000+</span></td><td><span>flexibility in premiums and benefits</span></td></tr><tr valign="middle"><td><span>Variable</span></td><td><span>Entire life</span></td><td><span>Flexible</span></td><td><span>Yes</span></td><td><span>Yes</span></td><td><span>$50,000+</span></td><td><span>High risk tolerance</span></td></tr><tr valign="middle"><td><span>Final expense</span></td><td><span>Entire life</span></td><td><span>Fixed</span></td><td><span>Yes</span></td><td><span>No</span></td><td><span>$2,500-$40,000</span></td><td><span>Funeral costs</span></td></tr></tbody></table></div></div><div><br/></div></div></div></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline26"></a>How to shop for life insurance</h2><div class="group"><p>Life insurance is an important but complex part of financial planning: Not only do you need to find the right provider, but you also have to figure out what kind of policy and coverage you need.</p><p>When trying to choose the right life insurance company, there are several things to consider.</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>Availability</strong></h3><p>Not all insurance companies are licensed in all states or offer all their products in every state they operate in. Before you get too deep into investigating a candidate, make sure it operates in your state.</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>Policies</strong></h3><p>Some insurance companies only offer term life, while others may lack no-exam policies. Once you know if you want term, whole or universal insurance, limit your search to companies that offer that kind of policy. Larger providers tend to have more options</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>Coverage limits</strong></h3><p>If a prospective insurance company has a minimum coverage limit that&#x27;s far beyond your requirements, it might not be a good fit. On the other hand, if you&#x27;re the sole breadwinner for a family with a large mortgage and three kids planning to go to college, will a company&#x27;s maximum coverage limit be enough for you?</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>Cost</strong></h3><p>Just like with everything else, <a href="https://www.cnbc.com/select/best-cheap-life-insurance/">price is an important factor</a> in life insurance. But low rates don&#x27;t tell the whole story — a cheaper policy may have a smaller death benefit, fewer options for riders or more restrictive requirements for approval.</p><p>Be sure to get rate quotes from multiple insurance companies for a policy with the same term, death benefit and riders so you can compare apples to apples.</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>Riders</strong></h3><p><a href="https://www.cnbc.com/select/what-is-a-life-insurance-rider/">Riders</a>, also known as endorsements, are how you customize your life insurance policy. They allow you to adjust your coverage amounts, access benefits if you become seriously ill and even convert one kind of policy into another. Some riders are offered free, though, most cost extra.</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>Customer service</strong></h3><p>This could very well be a lifelong relationship, so selecting an insurance company with good customer service will pay off. You can review a company&#x27;s customer satisfaction ranking on J.D. Power&#x27;s annual individual life insurance survey and look at complaints filed with the state on the <a href="https://content.naic.org/" target="_blank">National Association of Insurance Commissioners website</a>. The Better Business Bureau also grades insurance companies, with providers with many unresolved complaints receiving poor letter grades.</p><p>You might also want to consider if you can apply, get approved and make policy changes online and whether customer service is available on the weekends.</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>Financial strength</strong></h3><p>The best policy in the world doesn&#x27;t mean a thing if an insurance company can&#x27;t pay out the benefit as promised. <a href="https://www.cnbc.com/select/what-are-am-best-ratings/">A.M. Best</a> is one of the leading credit rating agencies that, among other things, rates insurance companies on their financial strength. <br/><br/>A high financial strength score, an A or A+, is a good indicator the company will be able to pay out the benefits on your policy when the time comes.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline27"></a>How to save on life insurance</h2><div class="group"><p>There are a few strategies to keep your premiums down</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>1. Buy it when you&#x27;re young</strong></h3><p>As you get older, life insurance companies see you as a bigger risk and the cost to cover you goes up. Locking in a level-term policy will keep your premiums the same for the length of your policy.</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>2. Get term life insurance</strong></h3><p>While term life is only active for a set period, on average, it <a href="https://www.cnbc.com/select/whole-vs-term-life-insurance/">costs one-sixth</a> of a whole life policy. Pick a term length that protects your family when you need the most coverage — like while your children are still young.</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>3. Maintain a healthy lifestyle</strong></h3><p>We can&#x27;t control every aspect of our health, but regular exercise, a healthy diet, limited alcohol use and good sleep habits can get you a better rate. And if you smoke, it&#x27;s time to quit: Tobacco smokers are charged anywhere from 40% to 100% more than non-smokers<strong> </strong>for the same policy. (If you take a medical exam, you may be given a nicotine test to verify your tobacco usage.)</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>4. Don&#x27;t skip the medical exam</strong></h3><p>If you&#x27;re young and relatively healthy, <a href="https://www.cnbc.com/select/no-exam-life-insurance/">a policy requiring a medical exam</a> will have lower premiums and higher coverage amounts than a <a href="https://www.cnbc.com/select/no-exam-life-insurance/">no-exam policy</a>. It&#x27;s free and can take as little as 30-40 minutes.</p><h3 class="ArticleBody-styles-select-smallSubtitle--PjaPC"><strong>5. Comparison shop</strong></h3><p>Not every insurance company considers your medical history and risk factors the same. Get quotes from several providers and be sure to ask about discounts.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline28"></a>Is life insurance worth it?</h2><div class="group"><p>Life insurance can be worth it if you have loved ones who depend on your income to meet the necessities of life and pay major bills, like mortgage payments, insurance and student loans. <br/><br/>Even if you don&#x27;t have dependents, a burial insurance policy can help with final expenses: According to the <a href="https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral" target="_blank">National Funeral Directors Association</a>,  the median cost of a funeral with a viewing and burial in 2023 was $8,300. Even just a cremation has a median price tag of $6,280.</p><p>Whether you need a policy, what kind and for how much are very personal questions, however, and it may be worth discussing with a financial advisor with a clear picture of your situation and available options.</p></div><div class="group FaqCard-styles-select-faqCard--GJ5mw" id="SelectRegularArticle-FaqCard-2" data-test="FaqCard" data-analytics="SelectRegularArticle-FaqCard"><div class="FaqCard-styles-select-header--GbE3b"><h2>FAQs</h2><span></span></div><div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Is life insurance worth it?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>Life insurance is a good idea if you have a partner or children who rely on your income for daily expenses, mortgage payments, student loans or other debts. Even if you don't, a policy can cover funeral expenses or leave a financial legacy for your children or a charity.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>How much life insurance do I need? </h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>There's no set amount of life insurance everyone needs. A common rule of thumb is to have a policy with coverage equal to at least 10 times your annual income. The <a href="https://www.cnbc.com/select/how-much-life-insurance-do-i-need/">DIME method</a> is another popular strategy.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>What is final expense insurance?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p><a href="https://www.cnbc.com/select/best-burial-insurance-companies/">Final expense insurance</a>, also known as burial insurance, is a basic whole life policy that pays out enough to cover funeral expenses, outstanding medical or legal bills and other costs associated with settling your estate. They don't require a medical exam and acceptance is often guaranteed.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Is life insurance through work enough?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>Some <a href="https://www.cnbc.com/select/open-enrollment-employer-life-insurance/">employers offer life insurance</a> as a workplace benefit. However, many people with dependents need more than this coverage offers. There's very little room for customization and when you leave the company, the policy expires. Pairing <a href="https://www.cnbc.com/select/what-is-group-life-insurance-how-it-works/">group life insurance</a> with an individual policy could get you the coverage you need.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Is life insurance taxable?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>According to the IRS, life insurance proceeds you receive as a beneficiary are generally not included in your gross income and are not taxed. If the benefit is paid in installments, like an annuity, you may have to pay taxes on the interest that has accrued.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Do life insurance policies pay dividends?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>Some forms of permanent life insurance can pay dividends to eligible policyholders that can be used to pay premiums, increase your coverage or taken as cash. Dividends are never guaranteed but some companies, like <a href="https://secure.money.com/pr/k741799c49ba">Northwestern Mutual</a> and <a href="https://secure.money.com/pr/gb55358d1ed8">MassMutual</a>, have paid dividends annually for well over a century.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>What is supplemental life insurance?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p><a href="https://www.cnbc.com/select/what-is-supplemental-life-insurance/">Supplemental life insurance</a> is extra coverage designed to bolster a basic policy. You can often get supplemental life insurance from an employer offering free group life insurance or from a private insurer.</p></div></div></div></div></div><div class="group InfoPanel-styles-select-container--AF446" id="SelectRegularArticle-InfoPanel-3" data-test="InfoPanel" data-analytics="SelectRegularArticle-InfoPanel"><div class="InfoPanel-styles-select-header--fSlKK"><strong>Subscribe to the CNBC Select Newsletter!</strong></div><div class="InfoPanel-styles-select-content--P6o4_"><p>Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. <a href="https://www.cnbc.com/money-matters-newsletter/">Sign up here</a>.</p></div></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline29"></a>Why trust CNBC Select?</h2><div class="group"><p>At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every life insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of life insurance products<strong>. </strong>While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline30"></a>Our methodology</h2><div class="internal-link" id="lcH2TGhYyN"></div><div class="group"><p>To determine the best life insurance companies, <a href="https://www.cnbc.com/select/">CNBC Select </a>collected data points on dozens of U.S. life insurance companies that write individual policies. </p><p>From there, we considered the types of life insurance products offered, state availability, coverage limits, average rates, the number and types of riders and the application process<strong>, </strong>including if there were policies that didn&#x27;t require a medical exam. </p><p>We also incorporated ratings from <a href="https://www.jdpower.com/business/press-releases/2024-us-individual-life-insurance-study" target="_blank">J.D. Power’s life insurance customer satisfaction survey</a>, the <a href="https://content.naic.org/sites/default/files/research-actuarial-life-fraternal-market-share.pdf" target="_blank">National Association of Insurance Commissioners</a> complaint index and the Better Business Bureau, as well as A.M. Best financial strength ratings.</p><p>We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.</p><p>After considering the above features, we sorted recommendations by the best insurance companies for affordability, for seniors, for term life, for whole life, for universal life, for long-term care coverage, for smokers, for riders, for final expenses and for no-medical-exam policies<br/><br/><em><strong>Catch up on CNBC Select&#x27;s in-depth coverage of </strong></em><a href="https://www.cnbc.com/select/credit-cards/"><em><strong>credit cards</strong></em></a><em><strong>, </strong></em><a href="https://www.cnbc.com/select/banking/"><em><strong>banking</strong></em></a><em><strong> and </strong></em><a href="https://www.cnbc.com/select/money/"><em><strong>money</strong></em></a><em><strong>, and follow us on </strong></em><a href="https://www.tiktok.com/@cnbcselect" 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companies</a></div></div></div><div class="ReadMore-card-select"><div class="ReadMore-linkContainer"><div class="ReadMore-textContainer"><a href="https://www.cnbc.com/select/open-enrollment-employer-life-insurance/" class="ReadMore-link-select" aria-label="undefined">Why your employer&#x27;s life insurance policy probably isn&#x27;t enough</a></div></div></div><div class="ReadMore-card-select"><div class="ReadMore-linkContainer"><div class="ReadMore-textContainer"><a href="https://www.cnbc.com/select/best-long-term-care-insurance/" class="ReadMore-link-select" aria-label="undefined">The best long-term care insurance</a></div></div></div><div class="ReadMore-card-select"><div class="ReadMore-linkContainer"><div class="ReadMore-textContainer"><a href="https://www.cnbc.com/select/guardian-life-insurance-review/" class="ReadMore-link-select" aria-label="undefined">Guardian life insurance review: Flexible coverage and numerous riders</a></div></div></div></div></div><div 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34.0809 26.3215L33.3929 27.0187C33.2436 26.8674 32.8736 26.4464 32.1531 26.4399C31.3028 26.4399 30.6083 27.091 30.6083 27.8869C30.6083 28.7354 31.3547 29.334 32.1466 29.334C32.8606 29.3405 33.1787 29.084 33.6201 28.7025L34.2497 29.4458C33.7499 29.8799 33.2112 30.3206 32.1466 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M0.00190711 21.2764C0.519991 31.7161 8.94294 40 19.1417 40H120.859C131.058 40 139.481 31.7161 139.999 21.2764L138.161 21.1803C137.692 30.6181 130.075 38.1102 120.859 38.1102H19.1417C9.9262 38.1102 2.30837 30.6181 1.84 21.1803L0.00190711 21.2764Z\" fill=\"#74C5FF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"js-sponsor-wrap\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"local-wrap click-drop-down\"\u003E\u003Cdiv class=\"shortcuts h-h\"\u003E\u003Cul class=\"shortcuts-list h-lh\"\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Credit Cards dropdown with sub links\" data-track-menu-name=\"Credit Cards\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ECredit Cards\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EAll Credit Cards\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-card-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Credit Card for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Credit Card for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-rewards-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Rewards Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Rewards Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Travel Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Travel Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-zero-interest-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best 0% APR Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest 0% APR Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-balance-transfer-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Balance Transfer Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Balance Transfer Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-cash-back-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Cash Back Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Cash Back Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-card-sign-up-bonuses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Card Sign-Up Bonuses\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Card Sign-Up Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards to Build Credit\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards to Build Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-online-shopping\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards for Online Shopping\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards for Online Shopping\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Loans dropdown with sub links\" data-track-menu-name=\"Loans\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ELoans\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Loans\" class=\"shortcuts-dropdown-item-link\"\u003EAll Loans\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Best Personal Loan for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Best Personal Loan for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Debt Consolidation Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Debt Consolidation Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-loans-for-refinancing-credit-card-debt\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Loans to Refinance Credit Card Debt\" class=\"shortcuts-dropdown-item-link\"\u003EBest Loans to Refinance Credit Card Debt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F6-personal-loans-thatll-get-you-funded-in-as-little-as-1-business-day\u002F \" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Loans with Fast Funding\" class=\"shortcuts-dropdown-item-link\"\u003EBest Loans with Fast Funding\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-personal-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-borrow-50000\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Large Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Large Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-online-applications\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Personal Loans to Apply Online\" class=\"shortcuts-dropdown-item-link\"\u003EBest Personal Loans to Apply Online\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-student-loan-refinance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Student Loan Refinance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Student Loan Refinance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Car Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Car Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Banking dropdown with sub links\" data-track-menu-name=\"Banking\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EBanking\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Banking\" class=\"shortcuts-dropdown-item-link\"\u003EAll Banking\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsavings-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Savings Account for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Savings Account for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-high-yield-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best High Yield Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest High Yield Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-and-mortar-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Big Bank Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Big Bank Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-mortar-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Big Bank Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Big Bank Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-no-fee-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best No Fee Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest No Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fchecking-accounts-with-no-overdraft-fees\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"No Overdraft Fee Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003ENo Overdraft Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-checking-account-bonuses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Checking Account Bonuses\" class=\"shortcuts-dropdown-item-link\"\u003EBest Checking Account Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-market-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Money Market Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Money Market Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-certificates-of-deposits\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best CDs\" class=\"shortcuts-dropdown-item-link\"\u003EBest CDs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-unions\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Unions\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Unions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Mortgages dropdown with sub links\" data-track-menu-name=\"Mortgages\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EMortgages\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EAll Mortgages\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-lenders-for-a-small-down-payment\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for Small Down Payment\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for Small Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-va-loans-usda-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for No Down Payment\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for No Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-average-credit-score\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for Average Credit Score\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for Average Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-that-dont-charge-origination-fees\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages No Origination Fee\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages No Origination Fee\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fadjustable-rate-mortgage-pros-and-cons\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Adjustable Rate Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EAdjustable Rate Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-affordability\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Affording a Mortgage\" class=\"shortcuts-dropdown-item-link\"\u003EAffording a Mortgage\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Insurance dropdown with sub links\" data-track-menu-name=\"Insurance\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EInsurance\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EAll Insurance\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Life Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Life Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-seniors\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Life Insurance for Seniors\" class=\"shortcuts-dropdown-item-link\"\u003EBest Life Insurance for Seniors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-homeowners-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Homeowners Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Homeowners Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-renters-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Renters Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Renters Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Car Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Car Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-pet-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Pet Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Pet Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-boat-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Boat Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Boat Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-motorcycle-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Motorcycle Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Motorcycle Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Travel Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Travel Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fevent-ticket-insurance-worth-it\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Event Ticket Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EEvent Ticket Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Small Business dropdown with sub links\" data-track-menu-name=\"Small Business\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ESmall Business\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EAll Small Business\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-business-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards for Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Tax Software for Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EBest Tax Software for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"\" role=\"button\" aria-expanded=\"false\" aria-label=\"+More dropdown with sub links\" data-track-menu-name=\"+More\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003E+More\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"personal-finance\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"personal-finance\"\u003EPersonal Finance\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"personal-finance-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-finance\u002F\" tabindex=\"-1\" data-track-sub-link=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Personal Finance\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-budgeting-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Budgeting Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-expense-tracker-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Expense Tracker Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-transfer-payment-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Money Transfer Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-resale-apps-and-websites\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Resale Apps and Sites\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-buy-now-pay-later-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBuy Now Pay Later (BNPL) Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-relief-companies\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Debt Relief\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"credit-monitoring\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"credit-monitoring\"\u003ECredit Monitoring\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"credit-monitoring-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-monitoring\u002F\" tabindex=\"-1\" data-track-sub-link=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Credit Monitoring\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-monitoring-services\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Monitoring Services\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-identity-theft-protection-services\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Identity Theft Protection\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-repair-companies\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Repair Companies\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"taxes\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"taxes\"\u003ETaxes\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"taxes-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftaxes\u002F\" tabindex=\"-1\" data-track-sub-link=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Taxes\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-file-your-taxes-for-free\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EFiling For Free\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Tax Software\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Tax Software for Small Businesses\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-check-the-status-of-your-2020-tax-refund\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Refunds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffederal-income-tax-brackets-tax-rates\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Brackets\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-reduce-taxable-income\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Tips\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fstates-with-no-income-tax\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETaxes By State\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftax-payment-plan-options\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Payment Plans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"help-for-low-credit-scores\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"help-for-low-credit-scores\"\u003EHelp for Low Credit Scores\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"help-for-low-credit-scores-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Flow-credit-scores\u002F\" tabindex=\"-1\" data-track-sub-link=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Help for Low Credit Scores\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Cards for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Personal Loans for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Debt Consolidation Loans for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-to-consider-if-you-dont-have-credit-score\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans if You Don&#39;t Have Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Cards for Building Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loans-to-apply-credit-score-580-or-lower\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans for 580 Credit Score Lower\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-credit-score-below-670\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans for 670 Credit Score or Lower\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-bad-credit-score\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Mortgages for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-hardship-loans\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Hardship Loans\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"investing\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"investing\"\u003EInvesting\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"investing-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finvesting\u002F\" tabindex=\"-1\" data-track-sub-link=\"investing-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Investing\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-ira-accounts\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest IRA Accounts\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-roth-ira-accounts\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Roth IRA Accounts\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-investing-apps\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Investing Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brokerage-free-stock-trading\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Free Stock Trading Platforms\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-robo-advisors\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Robo-Advisors\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-index-funds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EIndex Funds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-mutual-funds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EMutual Funds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-etfs-should-you-invest\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EETFs\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-bonds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBonds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cdiv class=\"local-insert js-local-nav-insert\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"login js-login-wrapper\" style=\"display: none;\"\u003E\u003Cbutton class=\"login__button login__button--anon js-sign-in\" aria-label=\"user profile\" style=\"opacity: 0.3;\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.4818 23C13.9442 22.9448 15.015 22.6891 16.6425 22.0661C17.1511 21.8714 17.7038 21.5442 18.1519 21.2438C18.2621 21.1698 18.3634 21.0994 18.4531 21.0354C18.4284 20.8421 18.3915 20.6014 18.3366 20.3265C18.1859 19.5717 17.9048 18.5868 17.3887 17.6282C17.3719 17.597 17.2859 17.4804 17.0073 17.3271C16.7397 17.1798 16.3661 17.0384 15.8936 16.9174C14.9501 16.6757 13.7393 16.5468 12.5 16.5468C11.2607 16.5468 10.0499 16.6756 9.10632 16.9173C8.63381 17.0384 8.26021 17.1798 7.99265 17.327C7.71413 17.4803 7.62808 17.597 7.61125 17.6282C7.0951 18.587 6.81402 19.5719 6.6633 20.3267C6.61106 20.5883 6.57511 20.819 6.55051 21.0072C6.61482 21.0495 6.685 21.0951 6.76052 21.1434C7.18956 21.4177 7.78323 21.7736 8.44718 22.1056C8.85247 22.3082 9.55081 22.549 10.3356 22.7327C10.8282 22.8481 11.3177 22.9322 11.7535 22.9739C11.9941 22.9908 12.237 22.9996 12.4818 23ZM4.77176 19.6081C4.96194 18.7705 5.28829 17.724 5.85023 16.6802C6.12186 16.1756 6.57668 15.8234 7.02833 15.5749C7.49093 15.3203 8.0368 15.1268 8.60997 14.9799C8.95702 14.891 9.32578 14.8163 9.70891 14.7553C8.38545 13.8592 7.51559 12.3437 7.51559 10.625C7.51559 7.87221 9.74718 5.64062 12.5 5.64062C15.2528 5.64062 17.4843 7.87221 17.4843 10.625C17.4843 12.3437 16.6145 13.8592 15.291 14.7553C15.6741 14.8163 16.0429 14.891 16.39 14.98C16.9631 15.1268 17.509 15.3203 17.9716 15.5749C18.4232 15.8234 18.878 16.1756 19.1497 16.6801C19.7117 17.7238 20.038 18.7704 20.2282 19.6081C21.9491 17.7381 23 15.2418 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 15.2417 3.05085 17.7381 4.77176 19.6081ZM11.5955 24.9678C5.11415 24.5043 0 19.0994 0 12.5C0 5.59644 5.59644 0 12.5 0C19.4036 0 25 5.59644 25 12.5C25 19.3977 19.4131 24.9904 12.5177 25C12.2261 25.0097 11.9147 24.9971 11.5955 24.9678ZM9.51559 10.625C9.51559 8.97678 10.8517 7.64062 12.5 7.64062C14.1482 7.64062 15.4843 8.97678 15.4843 10.625C15.4843 12.2732 14.1482 13.6094 12.5 13.6094C10.8517 13.6094 9.51559 12.2732 9.51559 10.625Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003Cbutton class=\"login__button login__button--auth h-dn js-sign-out\" aria-label=\"user profile\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Ccircle cx=\"12.5\" cy=\"12.5\" r=\"12.5\" fill=\"#3061FF\"\u002F\u003E\u003Cpath class=\"login__icon--person\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 14.6719C14.7005 14.6719 16.4844 12.888 16.4844 10.6875C16.4844 8.48699 14.7005 6.70312 12.5 6.70312C10.2995 6.70312 8.51562 8.48699 8.51562 10.6875C8.51562 12.888 10.2995 14.6719 12.5 14.6719ZM19.5 22C19.5 22 19.4231 19.3596 18.2692 17.2166C17.1154 15.0737 7.88462 15.0734 6.73077 17.2167C5.57692 19.36 5.5 22 5.5 22L11.9849 23.8528C12.3216 23.949 12.6784 23.949 13.0151 23.8528L19.5 22Z\" fill=\"white\"\u002F\u003E\u003Cpath class=\"login__icon--border\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 23C18.299 23 23 18.299 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 18.299 6.70101 23 12.5 23ZM12.5 25C19.4036 25 25 19.4036 25 12.5C25 5.59644 19.4036 0 12.5 0C5.59644 0 0 5.59644 0 12.5C0 19.4036 5.59644 25 12.5 25Z\" fill=\"#82AEFF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"search-button-trigger\"\u003E\u003Clabel class=\"search-local\" for=\"queryly_toggle\" data-track-event=\"mbt_navbar_searchIcon\" data-track-key=\"search\" data-track-value=\"top-nav-icon\"\u003E\u003Cspan class=\"queryly_search_button\" style=\"line-height: 0;\"\u003E\u003Csvg xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\" viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-labelledby=\"search_title\"\u003E\u003Ctitle class=\"search_title\"\u003ESearch\u003C\u002Ftitle\u003E\u003Cpath fill-rule=\"evenodd\" d=\"M13.773 11.649L20 17.876 17.876 20l-6.227-6.227a7.508 7.508 0 112.124-2.124zm-6.265.364a4.505 4.505 0 100-9.01 4.505 4.505 0 000 9.01z\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Flabel\u003E\u003C\u002Fbutton\u003E\u003Cdiv class=\"login js-login-wrapper\" style=\"display: none;\"\u003E\u003Cbutton class=\"login__button login__button--anon js-sign-in\" aria-label=\"user profile\" style=\"opacity: 0.3;\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.4818 23C13.9442 22.9448 15.015 22.6891 16.6425 22.0661C17.1511 21.8714 17.7038 21.5442 18.1519 21.2438C18.2621 21.1698 18.3634 21.0994 18.4531 21.0354C18.4284 20.8421 18.3915 20.6014 18.3366 20.3265C18.1859 19.5717 17.9048 18.5868 17.3887 17.6282C17.3719 17.597 17.2859 17.4804 17.0073 17.3271C16.7397 17.1798 16.3661 17.0384 15.8936 16.9174C14.9501 16.6757 13.7393 16.5468 12.5 16.5468C11.2607 16.5468 10.0499 16.6756 9.10632 16.9173C8.63381 17.0384 8.26021 17.1798 7.99265 17.327C7.71413 17.4803 7.62808 17.597 7.61125 17.6282C7.0951 18.587 6.81402 19.5719 6.6633 20.3267C6.61106 20.5883 6.57511 20.819 6.55051 21.0072C6.61482 21.0495 6.685 21.0951 6.76052 21.1434C7.18956 21.4177 7.78323 21.7736 8.44718 22.1056C8.85247 22.3082 9.55081 22.549 10.3356 22.7327C10.8282 22.8481 11.3177 22.9322 11.7535 22.9739C11.9941 22.9908 12.237 22.9996 12.4818 23ZM4.77176 19.6081C4.96194 18.7705 5.28829 17.724 5.85023 16.6802C6.12186 16.1756 6.57668 15.8234 7.02833 15.5749C7.49093 15.3203 8.0368 15.1268 8.60997 14.9799C8.95702 14.891 9.32578 14.8163 9.70891 14.7553C8.38545 13.8592 7.51559 12.3437 7.51559 10.625C7.51559 7.87221 9.74718 5.64062 12.5 5.64062C15.2528 5.64062 17.4843 7.87221 17.4843 10.625C17.4843 12.3437 16.6145 13.8592 15.291 14.7553C15.6741 14.8163 16.0429 14.891 16.39 14.98C16.9631 15.1268 17.509 15.3203 17.9716 15.5749C18.4232 15.8234 18.878 16.1756 19.1497 16.6801C19.7117 17.7238 20.038 18.7704 20.2282 19.6081C21.9491 17.7381 23 15.2418 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 15.2417 3.05085 17.7381 4.77176 19.6081ZM11.5955 24.9678C5.11415 24.5043 0 19.0994 0 12.5C0 5.59644 5.59644 0 12.5 0C19.4036 0 25 5.59644 25 12.5C25 19.3977 19.4131 24.9904 12.5177 25C12.2261 25.0097 11.9147 24.9971 11.5955 24.9678ZM9.51559 10.625C9.51559 8.97678 10.8517 7.64062 12.5 7.64062C14.1482 7.64062 15.4843 8.97678 15.4843 10.625C15.4843 12.2732 14.1482 13.6094 12.5 13.6094C10.8517 13.6094 9.51559 12.2732 9.51559 10.625Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003Cbutton class=\"login__button login__button--auth h-dn js-sign-out\" aria-label=\"user profile\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Ccircle cx=\"12.5\" cy=\"12.5\" r=\"12.5\" fill=\"#3061FF\"\u002F\u003E\u003Cpath class=\"login__icon--person\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 14.6719C14.7005 14.6719 16.4844 12.888 16.4844 10.6875C16.4844 8.48699 14.7005 6.70312 12.5 6.70312C10.2995 6.70312 8.51562 8.48699 8.51562 10.6875C8.51562 12.888 10.2995 14.6719 12.5 14.6719ZM19.5 22C19.5 22 19.4231 19.3596 18.2692 17.2166C17.1154 15.0737 7.88462 15.0734 6.73077 17.2167C5.57692 19.36 5.5 22 5.5 22L11.9849 23.8528C12.3216 23.949 12.6784 23.949 13.0151 23.8528L19.5 22Z\" fill=\"white\"\u002F\u003E\u003Cpath class=\"login__icon--border\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 23C18.299 23 23 18.299 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 18.299 6.70101 23 12.5 23ZM12.5 25C19.4036 25 25 19.4036 25 12.5C25 5.59644 19.4036 0 12.5 0C5.59644 0 0 5.59644 0 12.5C0 19.4036 5.59644 25 12.5 25Z\" fill=\"#82AEFF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"headline-container\"\u003E\u003Cdiv class=\"headline-wrap h-h\"\u003E\u003Cdiv class=\"headline-title h-h\"\u003E\u003Cp class=\"headline-title-text h-lh js-headline-text\"\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"share-list h-h\"\u003E\u003Cdiv class=\"share-inner\"\u003E\u003Cul class=\"share-ul h-h\"\u003E\u003Cli class=\"share-li share-li-cta\"\u003EShare\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-facebook\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"facebook\"data-template=\"https:\u002F\u002Fwww.facebook.com\u002Fsharer\u002Fsharer.php?u=URL&cid=article_share_facebook\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"facebook\" tabindex=\"-1\"\u003E\u003Csvg viewBox=\"0 0 20 20\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M11.248 20H7.5V10H5V6.554l2.5-.001-.004-2.03C7.496 1.71 8.258 0 11.57 0h2.758v3.447h-1.724c-1.29 0-1.351.482-1.351 1.38l-.006 1.726h3.1l-.365 3.446L11.25 10l-.002 10z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-twitter\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"twitter\"data-template=\"https:\u002F\u002Ftwitter.com\u002Fintent\u002Ftweet?text=HEADLINE&via=VIA&url=URL&original_referer=URL&cid=article_share_twitter\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"twitter\" tabindex=\"-1\"\u003E\u003Csvg width=\"1200\" height=\"1227\" viewBox=\"0 0 1200 1227\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M714.163 519.284L1160.89 0H1055.03L667.137 450.887L357.328 0H0L468.492 681.821L0 1226.37H105.866L515.491 750.218L842.672 1226.37H1200L714.137 519.284H714.163ZM569.165 687.828L521.697 619.934L144.011 79.6944H306.615L611.412 515.685L658.88 583.579L1055.08 1150.3H892.476L569.165 687.854V687.828Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-email\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"email\"data-template=\"mailto:?subject=HEADLINE&body=URL\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"email\" tabindex=\"-1\"\u003E\u003Csvg viewBox=\"0 0 20 20\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M.1 4h19.8L10 11.02.1 4zM0 5.893l10 7.111 10-7.111V16.8H0V5.893z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"hamburger js-menu-toggle\" aria-haspopup=\"true\" aria-expanded=\"false\" aria-label=\"select_cnbc navigation and search\" type=\"button\"\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fbutton\u003E\u003Cdiv class=\"login__dropdown js-auth-options\" style=\"display: none;\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C!-- TODO: Remove id attribute once Adobe Activity Map issue resolves (NGAUD-923) --\u003E\u003Cdiv class=\"menu-overlay-wrapper js-menu-toggle\" id=hamburger data-activity-map=hamburger\u003E\u003Cdiv class=\"menu js-menu-selector\"\u003E\u003Cbutton class=\"overlay js-menu-toggle\"\u003E\u003C\u002Fbutton\u003E\u003Csection class=\"inner menu-select\"\u003E\u003Cdiv class=\"menu-header\"\u003E\u003Cdiv\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F\" \u003E\u003Cdiv class=\"menu-logo\"\u003E\u003Csvg width=\"140\" height=\"40\" viewBox=\"0 0 140 40\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M41.2555 28.0946L43.5254 24.945C44.7524 26.1418 46.0407 26.7088 47.4518 26.7088C48.372 26.7088 48.9242 26.3938 48.9242 25.8269C48.9242 25.323 48.4947 25.008 46.5929 24.3781C44.0776 23.5592 41.869 22.2993 41.869 19.3387C41.869 16.1891 44.3843 14.4253 47.5131 14.4253C49.7831 14.4253 51.4395 15.0552 53.1573 16.3781L50.8873 19.7796C49.8444 18.7088 48.5561 18.1418 47.5745 18.1418C47.0223 18.1418 46.4088 18.3938 46.3475 18.9607C46.3475 19.4647 46.8996 19.7796 48.372 20.3466C51.6849 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33.1787 29.084 33.6201 28.7025L34.2497 29.4458C33.7499 29.8799 33.2112 30.3206 32.1466 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M0.00190711 21.2764C0.519991 31.7161 8.94294 40 19.1417 40H120.859C131.058 40 139.481 31.7161 139.999 21.2764L138.161 21.1803C137.692 30.6181 130.075 38.1102 120.859 38.1102H19.1417C9.9262 38.1102 2.30837 30.6181 1.84 21.1803L0.00190711 21.2764Z\" fill=\"#74C5FF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fdiv\u003E\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"close-button js-menu-toggle\" on=\"tap:AmpSidebar.toggle\"\u003E\u003Csvg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.7072 19.0918L19.092 0.70707L0.7072 19.0918Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.7072 19.0918L19.092 0.70707\" stroke=\"#0477C9\" stroke-width=\"2\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.7072 0.707107L19.092 19.0919L0.7072 0.707107Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.7072 0.707107L19.092 19.0919\" stroke=\"#0477C9\" stroke-width=\"2\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003E\u003Cul class=\"menu-select__sections-list\" data-menu-id=\"0\"\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-0\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ECredit Cards\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-0\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-0\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\"\u003EAll Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-card-marketplace\u002F\"\u003EFind the Credit Card for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards\u002F\"\u003EBest Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-rewards-credit-cards\u002F\"\u003EBest Rewards Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-credit-cards\u002F\"\u003EBest Travel Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-zero-interest-credit-cards\u002F\"\u003EBest 0% APR Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-balance-transfer-credit-cards\u002F\"\u003EBest Balance Transfer Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-cash-back-credit-cards\u002F\"\u003EBest Cash Back Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-card-sign-up-bonuses\u002F\"\u003EBest Credit Card Sign-Up Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\"\u003EBest Credit Cards to Build Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-online-shopping\u002F\" target=\"_self\"\u003EBest Credit Cards for Online Shopping\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-1\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ELoans\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-1\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-1\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\"\u003EAll Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-marketplace\u002F\"\u003EFind the Best Personal Loan for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans\u002F\"\u003EBest Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans\u002F\"\u003EBest Debt Consolidation Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-loans-for-refinancing-credit-card-debt\u002F\"\u003EBest Loans to Refinance Credit Card Debt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F6-personal-loans-thatll-get-you-funded-in-as-little-as-1-business-day\u002F \"\u003EBest Loans with Fast Funding\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-personal-loans\u002F\"\u003EBest Small Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-borrow-50000\u002F\"\u003EBest Large Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-online-applications\u002F\"\u003EBest Personal Loans to Apply Online\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-student-loan-refinance-companies\u002F\"\u003EBest Student Loan Refinance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-loans\u002F\" target=\"_self\"\u003EBest Car Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-2\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EBanking\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-2\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-2\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\"\u003EAll Banking\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsavings-marketplace\u002F\"\u003EFind the Savings Account for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-high-yield-savings-accounts\u002F\"\u003EBest High Yield Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-and-mortar-savings-accounts\u002F\"\u003EBest Big Bank Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-mortar-checking-accounts\u002F\"\u003EBest Big Bank Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-no-fee-checking-accounts\u002F\"\u003EBest No Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fchecking-accounts-with-no-overdraft-fees\u002F\"\u003ENo Overdraft Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-checking-account-bonuses\u002F\"\u003EBest Checking Account Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-market-accounts\u002F\"\u003EBest Money Market Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-certificates-of-deposits\u002F\"\u003EBest CDs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-unions\u002F\"\u003EBest Credit Unions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-3\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EMortgages\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-3\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-3\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\"\u003EAll Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders\u002F\"\u003EBest Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-lenders-for-a-small-down-payment\u002F\"\u003EBest Mortgages for Small Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-va-loans-usda-loans\u002F\"\u003EBest Mortgages for No Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-average-credit-score\u002F\"\u003EBest Mortgages for Average Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-that-dont-charge-origination-fees\u002F\" target=\"_self\"\u003EBest Mortgages No Origination Fee\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fadjustable-rate-mortgage-pros-and-cons\u002F\"\u003EAdjustable Rate Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-affordability\u002F\"\u003EAffording a Mortgage\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-4\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EInsurance\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-4\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-4\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\"\u003EAll Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-companies\u002F\"\u003EBest Life Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-seniors\u002F\" target=\"_self\"\u003EBest Life Insurance for Seniors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-homeowners-insurance-companies\u002F\"\u003EBest Homeowners Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-renters-insurance-companies\u002F\"\u003EBest Renters Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-insurance-companies\u002F\"\u003EBest Car Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-pet-insurance\u002F\" target=\"_self\"\u003EBest Pet Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-boat-insurance\u002F\" target=\"_self\"\u003EBest Boat Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-motorcycle-insurance\u002F\" target=\"_self\"\u003EBest Motorcycle Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-insurance-companies\u002F\"\u003EBest Travel Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fevent-ticket-insurance-worth-it\u002F\" target=\"_self\"\u003EEvent Ticket Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-5\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ESmall Business\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-5\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-5\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\"\u003EAll Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-savings-accounts\u002F\"\u003EBest Small Business Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-business-checking-accounts\u002F\"\u003EBest Small Business Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-credit-cards\u002F\"\u003EBest Credit Cards for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-loans\u002F\"\u003EBest Small Business Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\"\u003EBest Tax Software for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-6\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EPersonal Finance\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-6\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-6\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-finance\u002F\"\u003EAll Personal Finance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-budgeting-apps\u002F\"\u003EBest Budgeting Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-expense-tracker-apps\u002F\"\u003EBest Expense Tracker Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-transfer-payment-apps\u002F\"\u003EBest Money Transfer Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-resale-apps-and-websites\u002F\"\u003EBest Resale Apps and Sites\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-buy-now-pay-later-apps\u002F\"\u003EBuy Now Pay Later (BNPL) Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-relief-companies\u002F\"\u003EBest Debt Relief\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-7\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ECredit Monitoring\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-7\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-7\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-monitoring\u002F\"\u003EAll Credit Monitoring\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-monitoring-services\"\u003EBest Credit Monitoring Services\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-identity-theft-protection-services\u002F\"\u003EBest Identity Theft Protection\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-repair-companies\u002F\"\u003EBest Credit Repair Companies\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-8\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ETaxes\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-8\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-8\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftaxes\u002F\"\u003EAll Taxes\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-file-your-taxes-for-free\u002F\" target=\"_self\"\u003EFiling For Free\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software\u002F\"\u003EBest Tax Software\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\"\u003EBest Tax Software for Small Businesses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-check-the-status-of-your-2020-tax-refund\u002F\"\u003ETax Refunds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffederal-income-tax-brackets-tax-rates\u002F\" target=\"_self\"\u003ETax Brackets\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-reduce-taxable-income\u002F\" target=\"_self\"\u003ETax Tips\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fstates-with-no-income-tax\u002F\" target=\"_self\"\u003ETaxes By State\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftax-payment-plan-options\u002F\" target=\"_self\"\u003ETax Payment Plans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-9\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EHelp for Low Credit Scores\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-9\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-9\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Flow-credit-scores\u002F\"\u003EAll Help for Low Credit Scores\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-bad-credit\u002F\"\u003EBest Credit Cards for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans-for-bad-credit\u002F\"\u003EBest Personal Loans for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans-for-bad-credit\u002F\"\u003EBest Debt Consolidation Loans for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-to-consider-if-you-dont-have-credit-score\u002F\"\u003EPersonal Loans if You Don&#39;t Have Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\"\u003EBest Credit Cards for Building Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loans-to-apply-credit-score-580-or-lower\u002F\"\u003EPersonal Loans for 580 Credit Score Lower\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-credit-score-below-670\u002F\"\u003EPersonal Loans for 670 Credit Score or Lower\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-bad-credit-score\u002F\"\u003EBest Mortgages for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-hardship-loans\u002F\"\u003EBest Hardship Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-10\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EInvesting\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-10\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-10\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finvesting\u002F\"\u003EAll Investing\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-ira-accounts\u002F\"\u003EBest IRA Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-roth-ira-accounts\u002F\"\u003EBest Roth IRA Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-investing-apps\u002F\"\u003EBest Investing Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brokerage-free-stock-trading\u002F\"\u003EBest Free Stock Trading Platforms\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-robo-advisors\u002F\"\u003EBest Robo-Advisors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-index-funds\u002F\"\u003EIndex Funds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-mutual-funds\u002F\"\u003EMutual Funds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-etfs-should-you-invest\u002F\"\u003EETFs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-bonds\u002F\"\u003EBonds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-11\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ESelect\u003Cspan class=\"inline-logo\"\u003E\u003Csvg width=\"24\" height=\"14\" viewBox=\"0 0 24 14\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M13.7061 11.1534C13.7061 11.1534 13.8045 10.9578 13.8497 10.86C14.0058 10.5106 14.1619 10.1618 14.3179 9.81372L14.438 9.54482L16.9049 4.02582C17.3141 3.31883 17.5463 2.28622 17.1529 1.50002C16.992 1.14292 16.7526 0.826171 16.4525 0.573022C16.1499 0.328821 15.7956 0.156023 15.4162 0.0676063C15.0367 -0.0208072 14.6421 -0.0225239 14.2618 0.0625834C14.0458 0.110679 13.8382 0.190787 13.6461 0.300205C13.2527 0.507535 12.9233 0.817165 12.693 1.19604C12.4628 1.57492 12.3403 2.00883 12.3388 2.45147L12.3703 2.48375L13.4424 2.4945C13.5123 2.54242 13.6254 2.53655 13.6461 2.63824C13.2103 2.96974 12.4657 3.26505 12.5591 3.95541L13.6412 10.7701C13.6657 10.8991 13.7061 11.1534 13.7061 11.1534Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M9.67307 9.78209C9.84424 10.1605 10.0164 10.536 10.2033 10.9066C10.2407 10.9839 10.3184 11.1364 10.3184 11.1364C10.3184 11.1364 10.3843 10.7931 10.4089 10.6348L11.6276 2.87063C11.7047 2.31141 11.5929 1.74257 11.3098 1.25326C11.1521 0.997388 10.9507 0.770738 10.7148 0.583434C9.75668 -0.179293 8.27726 -0.168537 7.39982 0.717394C7.06026 1.04001 6.81864 1.45091 6.70247 1.90333C6.5863 2.35575 6.60025 2.83151 6.74273 3.27643C7.65361 5.29733 8.56481 7.31986 9.47634 9.34401C9.54224 9.48971 9.60717 9.63639 9.67307 9.78209Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M13.7492 12.8877L13.9932 12.7322L19.4466 9.01243L19.5676 8.92441L20.4765 8.30446C20.8966 7.98862 21.3933 7.74806 21.6943 7.26598C22.1792 6.58149 22.2756 5.46185 21.8399 4.72356C21.4887 4.0156 20.748 3.53646 20.0122 3.40542C19.5356 3.33278 19.048 3.39518 18.6054 3.58542C18.1627 3.77568 17.783 4.08608 17.5098 4.48106C17.4656 4.5456 17.4242 4.6121 17.3839 4.67663C16.1976 7.33932 14.8903 9.95703 13.824 12.6657L13.7492 12.8877Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M4.55985 9.00076C6.41407 10.272 10.2651 12.8877 10.2651 12.8877L10.1245 12.523L6.72294 4.98277L6.67375 4.87423C6.40376 4.2927 5.92338 3.83356 5.32824 3.58821C4.73309 3.34287 4.06683 3.3293 3.46209 3.55021C3.09951 3.69513 2.77483 3.92008 2.51257 4.20807C2.2503 4.49605 2.05732 4.83954 1.94822 5.21255C1.81921 5.67066 1.82747 6.15623 1.97197 6.60974C2.11646 7.06325 2.39093 7.465 2.76171 7.76574L4.27164 8.80323L4.55985 9.00076Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M13.4581 13.9992H21.5016C22.2659 13.9992 22.9584 13.6677 23.4866 13.0301C23.526 12.9822 23.5614 12.9324 23.5969 12.8786C24.0375 12.2127 24.1379 11.2387 23.7936 10.5141C23.5506 9.97925 23.0342 9.44436 22.4843 9.22924C21.7741 8.89188 20.7826 8.96717 20.1313 9.38471L16.0413 12.2136L15.814 12.3702L13.6303 13.8808L13.4581 13.9992Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.516102 13.0315C0.758373 13.3399 1.06959 13.588 1.42508 13.7559C1.78057 13.924 2.17055 14.0074 2.5641 13.9995H10.5446L9.67994 13.402L8.19657 12.3773L3.86844 9.38602C3.21725 8.96848 2.22572 8.8971 1.51551 9.23054C0.966622 9.44567 0.449214 9.98055 0.206249 10.5154C-0.0213014 11.0366 -0.0619288 11.6197 0.0911602 12.167C0.171236 12.4813 0.315924 12.7755 0.516102 13.0315Z\" fill=\"#0477C9\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-11\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-11\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\"\u003EAll Select\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fwellness\"\u003EWellness\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fhome-kitchen\"\u003EHome &amp; Kitchen\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Ftech-tools\"\u003ETech\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fpets\"\u003EPets\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Ftravel\" target=\"_self\"\u003ETravel\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fgift-guides\" target=\"_self\"\u003EGift Guides\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli 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href=\"https:\u002F\u002Fcnbc.zendesk.com\u002Fhc\u002Fen-us\u002Frequests\u002Fnew?ticket_form_id=360000349393\"\u003EContact\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fcnbc.zendesk.com\u002Fhc\u002Fen-us\u002F\"\u003EHelp\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fcnbc-careers-and-employment\u002F\"\u003ECareers\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcuniversal.com\u002Fprivacy?intake=CNBC\" target=\"_blank\" rel=\"noopener noreferrer\"\u003EPrivacy policy\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca class=\"ot-sdk-show-settings\" target=\"_blank\" rel=\"noopener noreferrer\"\u003EYour Privacy Choices\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcuniversal.com\u002Fprivacy\u002Fcalifornia-consumer-privacy-act?intake=CNBC\" target=\"_blank\" rel=\"noopener 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The use of this website means that you accept the confidentiality regulations and the conditions of service.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Ffooter\u003E"]}}},"dataByMarketMover":{},"videoDataWithPosition":{"top":"-3000px","left":"-3000px","data":{},"videoAttributes":{}},"videoIsPreloader":{"isPreloader":true,"autoPlay":false,"firstVideoClickedOnPage":true},"videoPlayerInfo":{"position":"0","layout":"HIDDEN","playback":false,"adPlayback":false,"isMuted":true,"header":{"css":{"link":["https:\u002F\u002Fnodeassets.nbcnews.com\u002Fassets\u002Ffonts\u002Fshared\u002Ffontface-lato.3a30eaa3de132b99a1fe90236087c713.css","https:\u002F\u002Fnodeassets.nbcnews.com\u002Fassets\u002Fheader-footer\u002F1.193.0\u002Fselect_cnbc\u002Fheader.css"]},"js":{"src":["https:\u002F\u002Fnodeassets.nbcnews.com\u002Fassets\u002Fheader-footer\u002F1.193.0\u002Fhfs-header.js","https:\u002F\u002Fnodeassets.nbcnews.com\u002Fassets\u002Fheader-footer\u002F1.193.0\u002Fhfs-search-select.js"],"html":["var _HFS = { version: \"1.193.0\", host: 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29.3405 17.7352 29.084 18.1766 28.7025L18.8063 29.4458C18.3065 29.8799 17.7677 30.3206 16.7032 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M19.5835 30.2022V25.5848H20.5571L22.7836 28.571V25.5848H23.7507V30.2022H22.7771L20.5507 27.2094V30.2022H19.5835Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M28.5245 27.7225C28.7711 27.979 28.9204 28.3342 28.9204 28.7486C28.9204 30.0049 27.804 30.2022 27.4535 30.2022H24.7208V25.5848H27.4145C28.0636 25.5848 28.7646 26.0518 28.7646 26.9266C28.7646 27.2686 28.6673 27.5251 28.5245 27.7225ZM27.4145 26.5648H25.6879V27.2818H27.4145C27.4145 27.2818 27.791 27.2752 27.791 26.9266C27.791 26.5846 27.4794 26.5648 27.4145 26.5648ZM27.4535 29.2156C27.6157 29.2156 27.9533 29.1761 27.9533 28.7486C27.9533 28.3144 27.6027 28.2684 27.4535 28.2684H25.6879V29.2156H27.4535Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M32.1466 30.3206C30.7316 30.314 29.6346 29.2024 29.6346 27.8803C29.6411 26.5188 30.7835 25.4598 32.1596 25.4598C33.354 25.4598 33.9966 26.2359 34.0809 26.3215L33.3929 27.0187C33.2436 26.8674 32.8736 26.4464 32.1531 26.4399C31.3028 26.4399 30.6083 27.091 30.6083 27.8869C30.6083 28.7354 31.3547 29.334 32.1466 29.334C32.8606 29.3405 33.1787 29.084 33.6201 28.7025L34.2497 29.4458C33.7499 29.8799 33.2112 30.3206 32.1466 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M0.00190711 21.2764C0.519991 31.7161 8.94294 40 19.1417 40H120.859C131.058 40 139.481 31.7161 139.999 21.2764L138.161 21.1803C137.692 30.6181 130.075 38.1102 120.859 38.1102H19.1417C9.9262 38.1102 2.30837 30.6181 1.84 21.1803L0.00190711 21.2764Z\" fill=\"#74C5FF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"js-sponsor-wrap\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"local-wrap click-drop-down\"\u003E\u003Cdiv class=\"shortcuts h-h\"\u003E\u003Cul class=\"shortcuts-list h-lh\"\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Credit Cards dropdown with sub links\" data-track-menu-name=\"Credit Cards\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ECredit Cards\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EAll Credit Cards\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-card-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Credit Card for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Credit Card for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-rewards-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Rewards Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Rewards Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Travel Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Travel Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-zero-interest-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best 0% APR Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest 0% APR Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-balance-transfer-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Balance Transfer Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Balance Transfer Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-cash-back-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Cash Back Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Cash Back Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-card-sign-up-bonuses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Card Sign-Up Bonuses\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Card Sign-Up Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards to Build Credit\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards to Build Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-online-shopping\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards for Online Shopping\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards for Online Shopping\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Loans dropdown with sub links\" data-track-menu-name=\"Loans\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ELoans\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Loans\" class=\"shortcuts-dropdown-item-link\"\u003EAll Loans\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Best Personal Loan for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Best Personal Loan for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Debt Consolidation Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Debt Consolidation Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-loans-for-refinancing-credit-card-debt\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Loans to Refinance Credit Card Debt\" class=\"shortcuts-dropdown-item-link\"\u003EBest Loans to Refinance Credit Card Debt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F6-personal-loans-thatll-get-you-funded-in-as-little-as-1-business-day\u002F \" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Loans with Fast Funding\" class=\"shortcuts-dropdown-item-link\"\u003EBest Loans with Fast Funding\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-personal-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-borrow-50000\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Large Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Large Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-online-applications\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Personal Loans to Apply Online\" class=\"shortcuts-dropdown-item-link\"\u003EBest Personal Loans to Apply Online\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-student-loan-refinance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Student Loan Refinance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Student Loan Refinance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Car Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Car Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Banking dropdown with sub links\" data-track-menu-name=\"Banking\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EBanking\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Banking\" class=\"shortcuts-dropdown-item-link\"\u003EAll Banking\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsavings-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Savings Account for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Savings Account for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-high-yield-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best High Yield Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest High Yield Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-and-mortar-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Big Bank Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Big Bank Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-mortar-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Big Bank Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Big Bank Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-no-fee-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best No Fee Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest No Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fchecking-accounts-with-no-overdraft-fees\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"No Overdraft Fee Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003ENo Overdraft Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-checking-account-bonuses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Checking Account Bonuses\" class=\"shortcuts-dropdown-item-link\"\u003EBest Checking Account Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-market-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Money Market Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Money Market Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-certificates-of-deposits\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best CDs\" class=\"shortcuts-dropdown-item-link\"\u003EBest CDs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-unions\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Unions\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Unions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Mortgages dropdown with sub links\" data-track-menu-name=\"Mortgages\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EMortgages\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EAll Mortgages\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-lenders-for-a-small-down-payment\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for Small Down Payment\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for Small Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-va-loans-usda-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for No Down Payment\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for No Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-average-credit-score\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for Average Credit Score\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for Average Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-that-dont-charge-origination-fees\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages No Origination Fee\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages No Origination Fee\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fadjustable-rate-mortgage-pros-and-cons\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Adjustable Rate Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EAdjustable Rate Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-affordability\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Affording a Mortgage\" class=\"shortcuts-dropdown-item-link\"\u003EAffording a Mortgage\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Insurance dropdown with sub links\" data-track-menu-name=\"Insurance\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EInsurance\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EAll Insurance\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Life Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Life Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-seniors\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Life Insurance for Seniors\" class=\"shortcuts-dropdown-item-link\"\u003EBest Life Insurance for Seniors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-homeowners-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Homeowners Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Homeowners Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-renters-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Renters Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Renters Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Car Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Car Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-pet-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Pet Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Pet Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-boat-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Boat Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Boat Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-motorcycle-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Motorcycle Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Motorcycle Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Travel Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Travel Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fevent-ticket-insurance-worth-it\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Event Ticket Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EEvent Ticket Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Small Business dropdown with sub links\" data-track-menu-name=\"Small Business\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ESmall Business\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EAll Small Business\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-business-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards for Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Tax Software for Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EBest Tax Software for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"\" role=\"button\" aria-expanded=\"false\" aria-label=\"+More dropdown with sub links\" data-track-menu-name=\"+More\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003E+More\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"personal-finance\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"personal-finance\"\u003EPersonal Finance\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"personal-finance-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-finance\u002F\" tabindex=\"-1\" data-track-sub-link=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Personal Finance\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-budgeting-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Budgeting Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-expense-tracker-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Expense Tracker Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-transfer-payment-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Money Transfer Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-resale-apps-and-websites\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Resale Apps and Sites\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-buy-now-pay-later-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBuy Now Pay Later (BNPL) Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-relief-companies\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Debt Relief\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"credit-monitoring\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"credit-monitoring\"\u003ECredit Monitoring\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"credit-monitoring-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-monitoring\u002F\" tabindex=\"-1\" data-track-sub-link=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Credit Monitoring\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-monitoring-services\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Monitoring Services\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-identity-theft-protection-services\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Identity Theft Protection\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-repair-companies\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Repair Companies\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"taxes\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"taxes\"\u003ETaxes\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"taxes-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftaxes\u002F\" tabindex=\"-1\" data-track-sub-link=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Taxes\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-file-your-taxes-for-free\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EFiling For Free\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Tax Software\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Tax Software for Small Businesses\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-check-the-status-of-your-2020-tax-refund\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Refunds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffederal-income-tax-brackets-tax-rates\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Brackets\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-reduce-taxable-income\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Tips\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fstates-with-no-income-tax\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETaxes By State\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftax-payment-plan-options\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Payment Plans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"help-for-low-credit-scores\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"help-for-low-credit-scores\"\u003EHelp for Low Credit Scores\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"help-for-low-credit-scores-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Flow-credit-scores\u002F\" tabindex=\"-1\" data-track-sub-link=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Help for Low Credit Scores\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Cards for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Personal Loans for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Debt Consolidation Loans for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-to-consider-if-you-dont-have-credit-score\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans if You Don&#39;t Have Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Cards for Building Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loans-to-apply-credit-score-580-or-lower\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans for 580 Credit Score Lower\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-credit-score-below-670\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans for 670 Credit Score or Lower\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-bad-credit-score\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Mortgages for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-hardship-loans\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Hardship Loans\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"investing\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"investing\"\u003EInvesting\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"investing-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finvesting\u002F\" tabindex=\"-1\" data-track-sub-link=\"investing-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Investing\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-ira-accounts\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest IRA Accounts\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-roth-ira-accounts\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Roth IRA Accounts\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-investing-apps\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Investing Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brokerage-free-stock-trading\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Free Stock Trading Platforms\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-robo-advisors\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Robo-Advisors\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-index-funds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EIndex Funds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-mutual-funds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EMutual Funds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-etfs-should-you-invest\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EETFs\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-bonds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBonds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cdiv class=\"local-insert js-local-nav-insert\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"login js-login-wrapper\" style=\"display: none;\"\u003E\u003Cbutton class=\"login__button login__button--anon js-sign-in\" aria-label=\"user profile\" style=\"opacity: 0.3;\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.4818 23C13.9442 22.9448 15.015 22.6891 16.6425 22.0661C17.1511 21.8714 17.7038 21.5442 18.1519 21.2438C18.2621 21.1698 18.3634 21.0994 18.4531 21.0354C18.4284 20.8421 18.3915 20.6014 18.3366 20.3265C18.1859 19.5717 17.9048 18.5868 17.3887 17.6282C17.3719 17.597 17.2859 17.4804 17.0073 17.3271C16.7397 17.1798 16.3661 17.0384 15.8936 16.9174C14.9501 16.6757 13.7393 16.5468 12.5 16.5468C11.2607 16.5468 10.0499 16.6756 9.10632 16.9173C8.63381 17.0384 8.26021 17.1798 7.99265 17.327C7.71413 17.4803 7.62808 17.597 7.61125 17.6282C7.0951 18.587 6.81402 19.5719 6.6633 20.3267C6.61106 20.5883 6.57511 20.819 6.55051 21.0072C6.61482 21.0495 6.685 21.0951 6.76052 21.1434C7.18956 21.4177 7.78323 21.7736 8.44718 22.1056C8.85247 22.3082 9.55081 22.549 10.3356 22.7327C10.8282 22.8481 11.3177 22.9322 11.7535 22.9739C11.9941 22.9908 12.237 22.9996 12.4818 23ZM4.77176 19.6081C4.96194 18.7705 5.28829 17.724 5.85023 16.6802C6.12186 16.1756 6.57668 15.8234 7.02833 15.5749C7.49093 15.3203 8.0368 15.1268 8.60997 14.9799C8.95702 14.891 9.32578 14.8163 9.70891 14.7553C8.38545 13.8592 7.51559 12.3437 7.51559 10.625C7.51559 7.87221 9.74718 5.64062 12.5 5.64062C15.2528 5.64062 17.4843 7.87221 17.4843 10.625C17.4843 12.3437 16.6145 13.8592 15.291 14.7553C15.6741 14.8163 16.0429 14.891 16.39 14.98C16.9631 15.1268 17.509 15.3203 17.9716 15.5749C18.4232 15.8234 18.878 16.1756 19.1497 16.6801C19.7117 17.7238 20.038 18.7704 20.2282 19.6081C21.9491 17.7381 23 15.2418 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 15.2417 3.05085 17.7381 4.77176 19.6081ZM11.5955 24.9678C5.11415 24.5043 0 19.0994 0 12.5C0 5.59644 5.59644 0 12.5 0C19.4036 0 25 5.59644 25 12.5C25 19.3977 19.4131 24.9904 12.5177 25C12.2261 25.0097 11.9147 24.9971 11.5955 24.9678ZM9.51559 10.625C9.51559 8.97678 10.8517 7.64062 12.5 7.64062C14.1482 7.64062 15.4843 8.97678 15.4843 10.625C15.4843 12.2732 14.1482 13.6094 12.5 13.6094C10.8517 13.6094 9.51559 12.2732 9.51559 10.625Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003Cbutton class=\"login__button login__button--auth h-dn js-sign-out\" aria-label=\"user profile\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Ccircle cx=\"12.5\" cy=\"12.5\" r=\"12.5\" fill=\"#3061FF\"\u002F\u003E\u003Cpath class=\"login__icon--person\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 14.6719C14.7005 14.6719 16.4844 12.888 16.4844 10.6875C16.4844 8.48699 14.7005 6.70312 12.5 6.70312C10.2995 6.70312 8.51562 8.48699 8.51562 10.6875C8.51562 12.888 10.2995 14.6719 12.5 14.6719ZM19.5 22C19.5 22 19.4231 19.3596 18.2692 17.2166C17.1154 15.0737 7.88462 15.0734 6.73077 17.2167C5.57692 19.36 5.5 22 5.5 22L11.9849 23.8528C12.3216 23.949 12.6784 23.949 13.0151 23.8528L19.5 22Z\" fill=\"white\"\u002F\u003E\u003Cpath class=\"login__icon--border\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 23C18.299 23 23 18.299 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 18.299 6.70101 23 12.5 23ZM12.5 25C19.4036 25 25 19.4036 25 12.5C25 5.59644 19.4036 0 12.5 0C5.59644 0 0 5.59644 0 12.5C0 19.4036 5.59644 25 12.5 25Z\" fill=\"#82AEFF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"search-button-trigger\"\u003E\u003Clabel class=\"search-local\" for=\"queryly_toggle\" data-track-event=\"mbt_navbar_searchIcon\" data-track-key=\"search\" data-track-value=\"top-nav-icon\"\u003E\u003Cspan class=\"queryly_search_button\" style=\"line-height: 0;\"\u003E\u003Csvg xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\" viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-labelledby=\"search_title\"\u003E\u003Ctitle class=\"search_title\"\u003ESearch\u003C\u002Ftitle\u003E\u003Cpath fill-rule=\"evenodd\" d=\"M13.773 11.649L20 17.876 17.876 20l-6.227-6.227a7.508 7.508 0 112.124-2.124zm-6.265.364a4.505 4.505 0 100-9.01 4.505 4.505 0 000 9.01z\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Flabel\u003E\u003C\u002Fbutton\u003E\u003Cdiv class=\"login js-login-wrapper\" style=\"display: none;\"\u003E\u003Cbutton class=\"login__button login__button--anon js-sign-in\" aria-label=\"user profile\" style=\"opacity: 0.3;\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.4818 23C13.9442 22.9448 15.015 22.6891 16.6425 22.0661C17.1511 21.8714 17.7038 21.5442 18.1519 21.2438C18.2621 21.1698 18.3634 21.0994 18.4531 21.0354C18.4284 20.8421 18.3915 20.6014 18.3366 20.3265C18.1859 19.5717 17.9048 18.5868 17.3887 17.6282C17.3719 17.597 17.2859 17.4804 17.0073 17.3271C16.7397 17.1798 16.3661 17.0384 15.8936 16.9174C14.9501 16.6757 13.7393 16.5468 12.5 16.5468C11.2607 16.5468 10.0499 16.6756 9.10632 16.9173C8.63381 17.0384 8.26021 17.1798 7.99265 17.327C7.71413 17.4803 7.62808 17.597 7.61125 17.6282C7.0951 18.587 6.81402 19.5719 6.6633 20.3267C6.61106 20.5883 6.57511 20.819 6.55051 21.0072C6.61482 21.0495 6.685 21.0951 6.76052 21.1434C7.18956 21.4177 7.78323 21.7736 8.44718 22.1056C8.85247 22.3082 9.55081 22.549 10.3356 22.7327C10.8282 22.8481 11.3177 22.9322 11.7535 22.9739C11.9941 22.9908 12.237 22.9996 12.4818 23ZM4.77176 19.6081C4.96194 18.7705 5.28829 17.724 5.85023 16.6802C6.12186 16.1756 6.57668 15.8234 7.02833 15.5749C7.49093 15.3203 8.0368 15.1268 8.60997 14.9799C8.95702 14.891 9.32578 14.8163 9.70891 14.7553C8.38545 13.8592 7.51559 12.3437 7.51559 10.625C7.51559 7.87221 9.74718 5.64062 12.5 5.64062C15.2528 5.64062 17.4843 7.87221 17.4843 10.625C17.4843 12.3437 16.6145 13.8592 15.291 14.7553C15.6741 14.8163 16.0429 14.891 16.39 14.98C16.9631 15.1268 17.509 15.3203 17.9716 15.5749C18.4232 15.8234 18.878 16.1756 19.1497 16.6801C19.7117 17.7238 20.038 18.7704 20.2282 19.6081C21.9491 17.7381 23 15.2418 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 15.2417 3.05085 17.7381 4.77176 19.6081ZM11.5955 24.9678C5.11415 24.5043 0 19.0994 0 12.5C0 5.59644 5.59644 0 12.5 0C19.4036 0 25 5.59644 25 12.5C25 19.3977 19.4131 24.9904 12.5177 25C12.2261 25.0097 11.9147 24.9971 11.5955 24.9678ZM9.51559 10.625C9.51559 8.97678 10.8517 7.64062 12.5 7.64062C14.1482 7.64062 15.4843 8.97678 15.4843 10.625C15.4843 12.2732 14.1482 13.6094 12.5 13.6094C10.8517 13.6094 9.51559 12.2732 9.51559 10.625Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003Cbutton class=\"login__button login__button--auth h-dn js-sign-out\" aria-label=\"user profile\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Ccircle cx=\"12.5\" cy=\"12.5\" r=\"12.5\" fill=\"#3061FF\"\u002F\u003E\u003Cpath class=\"login__icon--person\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 14.6719C14.7005 14.6719 16.4844 12.888 16.4844 10.6875C16.4844 8.48699 14.7005 6.70312 12.5 6.70312C10.2995 6.70312 8.51562 8.48699 8.51562 10.6875C8.51562 12.888 10.2995 14.6719 12.5 14.6719ZM19.5 22C19.5 22 19.4231 19.3596 18.2692 17.2166C17.1154 15.0737 7.88462 15.0734 6.73077 17.2167C5.57692 19.36 5.5 22 5.5 22L11.9849 23.8528C12.3216 23.949 12.6784 23.949 13.0151 23.8528L19.5 22Z\" fill=\"white\"\u002F\u003E\u003Cpath class=\"login__icon--border\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 23C18.299 23 23 18.299 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 18.299 6.70101 23 12.5 23ZM12.5 25C19.4036 25 25 19.4036 25 12.5C25 5.59644 19.4036 0 12.5 0C5.59644 0 0 5.59644 0 12.5C0 19.4036 5.59644 25 12.5 25Z\" fill=\"#82AEFF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"headline-container\"\u003E\u003Cdiv class=\"headline-wrap h-h\"\u003E\u003Cdiv class=\"headline-title h-h\"\u003E\u003Cp class=\"headline-title-text h-lh js-headline-text\"\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"share-list h-h\"\u003E\u003Cdiv class=\"share-inner\"\u003E\u003Cul class=\"share-ul h-h\"\u003E\u003Cli class=\"share-li share-li-cta\"\u003EShare\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-facebook\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"facebook\"data-template=\"https:\u002F\u002Fwww.facebook.com\u002Fsharer\u002Fsharer.php?u=URL&cid=article_share_facebook\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"facebook\" tabindex=\"-1\"\u003E\u003Csvg viewBox=\"0 0 20 20\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M11.248 20H7.5V10H5V6.554l2.5-.001-.004-2.03C7.496 1.71 8.258 0 11.57 0h2.758v3.447h-1.724c-1.29 0-1.351.482-1.351 1.38l-.006 1.726h3.1l-.365 3.446L11.25 10l-.002 10z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-twitter\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"twitter\"data-template=\"https:\u002F\u002Ftwitter.com\u002Fintent\u002Ftweet?text=HEADLINE&via=VIA&url=URL&original_referer=URL&cid=article_share_twitter\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"twitter\" tabindex=\"-1\"\u003E\u003Csvg width=\"1200\" height=\"1227\" viewBox=\"0 0 1200 1227\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M714.163 519.284L1160.89 0H1055.03L667.137 450.887L357.328 0H0L468.492 681.821L0 1226.37H105.866L515.491 750.218L842.672 1226.37H1200L714.137 519.284H714.163ZM569.165 687.828L521.697 619.934L144.011 79.6944H306.615L611.412 515.685L658.88 583.579L1055.08 1150.3H892.476L569.165 687.854V687.828Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-email\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"email\"data-template=\"mailto:?subject=HEADLINE&body=URL\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"email\" tabindex=\"-1\"\u003E\u003Csvg viewBox=\"0 0 20 20\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M.1 4h19.8L10 11.02.1 4zM0 5.893l10 7.111 10-7.111V16.8H0V5.893z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"hamburger js-menu-toggle\" aria-haspopup=\"true\" aria-expanded=\"false\" aria-label=\"select_cnbc navigation and search\" type=\"button\"\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fbutton\u003E\u003Cdiv class=\"login__dropdown js-auth-options\" style=\"display: none;\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C!-- TODO: Remove id attribute once Adobe Activity Map issue resolves (NGAUD-923) --\u003E\u003Cdiv class=\"menu-overlay-wrapper js-menu-toggle\" id=hamburger data-activity-map=hamburger\u003E\u003Cdiv class=\"menu js-menu-selector\"\u003E\u003Cbutton class=\"overlay js-menu-toggle\"\u003E\u003C\u002Fbutton\u003E\u003Csection class=\"inner menu-select\"\u003E\u003Cdiv class=\"menu-header\"\u003E\u003Cdiv\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F\" \u003E\u003Cdiv class=\"menu-logo\"\u003E\u003Csvg width=\"140\" height=\"40\" viewBox=\"0 0 140 40\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M41.2555 28.0946L43.5254 24.945C44.7524 26.1418 46.0407 26.7088 47.4518 26.7088C48.372 26.7088 48.9242 26.3938 48.9242 25.8269C48.9242 25.323 48.4947 25.008 46.5929 24.3781C44.0776 23.5592 41.869 22.2993 41.869 19.3387C41.869 16.1891 44.3843 14.4253 47.5131 14.4253C49.7831 14.4253 51.4395 15.0552 53.1573 16.3781L50.8873 19.7796C49.8444 18.7088 48.5561 18.1418 47.5745 18.1418C47.0223 18.1418 46.4088 18.3938 46.3475 18.9607C46.3475 19.4647 46.8996 19.7796 48.372 20.3466C51.6849 21.5434 53.464 22.4253 53.464 25.4489C53.464 28.3466 51.4395 30.3623 47.3291 30.3623C44.9978 30.3623 42.9119 29.6064 41.2555 28.0946Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M59.9671 23.7482H70.2124C70.2124 23.6558 70.2177 23.5256 70.2236 23.3796C70.2378 23.0279 70.2558 22.585 70.2124 22.3624C70.2124 17.8269 67.1449 14.5513 62.9118 14.5513C58.372 14.5513 55.1818 17.8269 55.1818 22.4884C55.1818 27.2758 58.4947 30.4884 63.0345 30.4884C66.4087 30.4884 68.4946 29.2915 69.783 27.7167L67.0222 24.8191C66.0406 25.9529 64.7523 26.4569 63.5253 26.4569C61.6848 26.4569 60.2738 25.512 59.9671 23.7482ZM65.6724 20.7876H60.0282C60.335 19.2128 61.4393 18.3309 62.973 18.3309C64.3841 18.3309 65.3656 19.2758 65.6724 20.7876Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M72.9729 7.74811H77.7581V30.1103H72.9729V7.74811Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M85.2429 23.7482H95.4883C95.4883 23.6558 95.4935 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fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M114.568 25.3229V18.7088H112.85V14.7403H114.568V9.76388L119.415 9.25995V14.7403H123.034V18.7088H119.415V24.3781C119.415 25.3859 119.599 26.1418 120.519 26.1418C120.887 26.1418 121.5 26.0789 121.991 25.8269L123.157 29.4804C122.114 30.0474 121.01 30.4883 118.924 30.4883C116.408 30.4883 114.568 28.7875 114.568 25.3229Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M120.859 0H19.1417C8.55057 0 -0.0636325 8.82422 0.00035418 19.6593L0.000337263 20.2835C0.000337263 31.0942 8.59275 39.937 19.1417 39.937H120.859C131.388 39.937 140 31.1148 140 20.2835V19.6536C140 8.84272 131.408 0 120.859 0ZM1.84088 19.6536C1.78308 9.8645 9.568 1.88977 19.1417 1.88977H120.859C130.391 1.88977 138.16 9.88544 138.16 19.6536V20.2835C138.16 30.0702 130.372 38.0473 120.859 38.0473H19.1417C9.61023 38.0473 1.84088 30.0515 1.84088 20.2835V19.6536Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M27.1249 11.8175C25.728 11.4814 24.4351 12.5825 24.5787 14.0933H25.4855C25.4855 14.0933 25.9079 14.0883 26.0308 14.3767C26.0308 14.3767 24.6909 14.8909 24.7973 15.7262L25.6315 21.8705L28.5506 14.799C28.9962 13.7254 28.4987 12.1419 27.1249 11.8175Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M23.1291 24.1581L17.4402 20.1365C15.9922 19.1106 14.5598 20.1558 14.2562 21.2368C13.809 22.8304 14.8106 24.1581 16.3849 24.1581H23.1291Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M23.8757 14.1912C24.0861 12.6303 22.7676 11.4748 21.3402 11.8176C19.9664 12.142 19.4689 13.7255 19.9144 14.799L22.8336 21.8706L23.8757 14.1912Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M22.6002 23.0301L19.7998 16.2587C19.1439 14.6885 17.4079 14.4937 16.4483 15.4142C15.7734 16.063 15.2487 17.8305 16.7594 18.9007L22.6002 23.0301Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M25.3359 24.1581L31.0248 20.1365C32.4729 19.1106 33.9052 20.1558 34.2088 21.2368C34.656 22.8304 33.6544 24.1581 32.0801 24.1581H25.3359Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M25.8649 23.0301L28.6653 16.2587C29.3212 14.6885 31.0572 14.4937 32.0168 15.4142C32.6917 16.063 33.2164 17.8305 31.7057 18.9007L25.8649 23.0301Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M16.7032 30.3206C15.2881 30.314 14.1912 29.2024 14.1912 27.8803C14.1977 26.5188 15.3401 25.4598 16.7162 25.4598C17.9105 25.4598 18.5531 26.2359 18.6375 26.3215L17.9494 27.0187C17.8002 26.8674 17.4302 26.4464 16.7097 26.4399C15.8594 26.4399 15.1648 27.091 15.1648 27.8869C15.1648 28.7354 15.9113 29.334 16.7032 29.334C17.4172 29.3405 17.7352 29.084 18.1766 28.7025L18.8063 29.4458C18.3065 29.8799 17.7677 30.3206 16.7032 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M19.5835 30.2022V25.5848H20.5571L22.7836 28.571V25.5848H23.7507V30.2022H22.7771L20.5507 27.2094V30.2022H19.5835Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M28.5245 27.7225C28.7711 27.979 28.9204 28.3342 28.9204 28.7486C28.9204 30.0049 27.804 30.2022 27.4535 30.2022H24.7208V25.5848H27.4145C28.0636 25.5848 28.7646 26.0518 28.7646 26.9266C28.7646 27.2686 28.6673 27.5251 28.5245 27.7225ZM27.4145 26.5648H25.6879V27.2818H27.4145C27.4145 27.2818 27.791 27.2752 27.791 26.9266C27.791 26.5846 27.4794 26.5648 27.4145 26.5648ZM27.4535 29.2156C27.6157 29.2156 27.9533 29.1761 27.9533 28.7486C27.9533 28.3144 27.6027 28.2684 27.4535 28.2684H25.6879V29.2156H27.4535Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M32.1466 30.3206C30.7316 30.314 29.6346 29.2024 29.6346 27.8803C29.6411 26.5188 30.7835 25.4598 32.1596 25.4598C33.354 25.4598 33.9966 26.2359 34.0809 26.3215L33.3929 27.0187C33.2436 26.8674 32.8736 26.4464 32.1531 26.4399C31.3028 26.4399 30.6083 27.091 30.6083 27.8869C30.6083 28.7354 31.3547 29.334 32.1466 29.334C32.8606 29.3405 33.1787 29.084 33.6201 28.7025L34.2497 29.4458C33.7499 29.8799 33.2112 30.3206 32.1466 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M0.00190711 21.2764C0.519991 31.7161 8.94294 40 19.1417 40H120.859C131.058 40 139.481 31.7161 139.999 21.2764L138.161 21.1803C137.692 30.6181 130.075 38.1102 120.859 38.1102H19.1417C9.9262 38.1102 2.30837 30.6181 1.84 21.1803L0.00190711 21.2764Z\" fill=\"#74C5FF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fdiv\u003E\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"close-button js-menu-toggle\" on=\"tap:AmpSidebar.toggle\"\u003E\u003Csvg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.7072 19.0918L19.092 0.70707L0.7072 19.0918Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.7072 19.0918L19.092 0.70707\" stroke=\"#0477C9\" stroke-width=\"2\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.7072 0.707107L19.092 19.0919L0.7072 0.707107Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.7072 0.707107L19.092 19.0919\" stroke=\"#0477C9\" stroke-width=\"2\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003E\u003Cul class=\"menu-select__sections-list\" data-menu-id=\"0\"\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-0\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ECredit Cards\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-0\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-0\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\"\u003EAll Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-card-marketplace\u002F\"\u003EFind the Credit Card for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards\u002F\"\u003EBest Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-rewards-credit-cards\u002F\"\u003EBest Rewards Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-credit-cards\u002F\"\u003EBest Travel Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-zero-interest-credit-cards\u002F\"\u003EBest 0% APR Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-balance-transfer-credit-cards\u002F\"\u003EBest Balance Transfer Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-cash-back-credit-cards\u002F\"\u003EBest Cash Back Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-card-sign-up-bonuses\u002F\"\u003EBest Credit Card Sign-Up Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\"\u003EBest Credit Cards to Build Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-online-shopping\u002F\" target=\"_self\"\u003EBest Credit Cards for Online Shopping\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-1\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ELoans\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-1\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-1\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\"\u003EAll Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-marketplace\u002F\"\u003EFind the Best Personal Loan for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans\u002F\"\u003EBest Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans\u002F\"\u003EBest Debt Consolidation Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-loans-for-refinancing-credit-card-debt\u002F\"\u003EBest Loans to Refinance Credit Card Debt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F6-personal-loans-thatll-get-you-funded-in-as-little-as-1-business-day\u002F \"\u003EBest Loans with Fast Funding\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-personal-loans\u002F\"\u003EBest Small Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-borrow-50000\u002F\"\u003EBest Large Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-online-applications\u002F\"\u003EBest Personal Loans to Apply Online\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-student-loan-refinance-companies\u002F\"\u003EBest Student Loan Refinance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-loans\u002F\" target=\"_self\"\u003EBest Car Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-2\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EBanking\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-2\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-2\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\"\u003EAll Banking\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsavings-marketplace\u002F\"\u003EFind the Savings Account for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-high-yield-savings-accounts\u002F\"\u003EBest High Yield Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-and-mortar-savings-accounts\u002F\"\u003EBest Big Bank Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-mortar-checking-accounts\u002F\"\u003EBest Big Bank Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-no-fee-checking-accounts\u002F\"\u003EBest No Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fchecking-accounts-with-no-overdraft-fees\u002F\"\u003ENo Overdraft Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-checking-account-bonuses\u002F\"\u003EBest Checking Account Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-market-accounts\u002F\"\u003EBest Money Market Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-certificates-of-deposits\u002F\"\u003EBest CDs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-unions\u002F\"\u003EBest Credit Unions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-3\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EMortgages\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-3\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-3\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\"\u003EAll Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders\u002F\"\u003EBest Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-lenders-for-a-small-down-payment\u002F\"\u003EBest Mortgages for Small Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-va-loans-usda-loans\u002F\"\u003EBest Mortgages for No Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-average-credit-score\u002F\"\u003EBest Mortgages for Average Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-that-dont-charge-origination-fees\u002F\" target=\"_self\"\u003EBest Mortgages No Origination Fee\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fadjustable-rate-mortgage-pros-and-cons\u002F\"\u003EAdjustable Rate Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-affordability\u002F\"\u003EAffording a Mortgage\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-4\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EInsurance\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-4\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-4\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\"\u003EAll Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-companies\u002F\"\u003EBest Life Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-seniors\u002F\" target=\"_self\"\u003EBest Life Insurance for Seniors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-homeowners-insurance-companies\u002F\"\u003EBest Homeowners Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-renters-insurance-companies\u002F\"\u003EBest Renters Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-insurance-companies\u002F\"\u003EBest Car Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-pet-insurance\u002F\" target=\"_self\"\u003EBest Pet Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-boat-insurance\u002F\" target=\"_self\"\u003EBest Boat Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-motorcycle-insurance\u002F\" target=\"_self\"\u003EBest Motorcycle Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-insurance-companies\u002F\"\u003EBest Travel Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fevent-ticket-insurance-worth-it\u002F\" target=\"_self\"\u003EEvent Ticket Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-5\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ESmall Business\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-5\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-5\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\"\u003EAll Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-savings-accounts\u002F\"\u003EBest Small Business Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-business-checking-accounts\u002F\"\u003EBest Small Business Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-credit-cards\u002F\"\u003EBest Credit Cards for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-loans\u002F\"\u003EBest Small Business Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\"\u003EBest Tax Software for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-6\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EPersonal Finance\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-6\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-6\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-finance\u002F\"\u003EAll Personal Finance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-budgeting-apps\u002F\"\u003EBest Budgeting Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-expense-tracker-apps\u002F\"\u003EBest Expense Tracker Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-transfer-payment-apps\u002F\"\u003EBest Money Transfer Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-resale-apps-and-websites\u002F\"\u003EBest Resale Apps and Sites\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-buy-now-pay-later-apps\u002F\"\u003EBuy Now Pay Later (BNPL) Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-relief-companies\u002F\"\u003EBest Debt Relief\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-7\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ECredit Monitoring\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-7\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-7\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-monitoring\u002F\"\u003EAll Credit Monitoring\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-monitoring-services\"\u003EBest Credit Monitoring Services\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-identity-theft-protection-services\u002F\"\u003EBest Identity Theft Protection\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-repair-companies\u002F\"\u003EBest Credit Repair Companies\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-8\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ETaxes\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-8\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-8\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftaxes\u002F\"\u003EAll Taxes\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-file-your-taxes-for-free\u002F\" target=\"_self\"\u003EFiling For Free\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software\u002F\"\u003EBest Tax Software\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\"\u003EBest Tax Software for Small Businesses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-check-the-status-of-your-2020-tax-refund\u002F\"\u003ETax Refunds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffederal-income-tax-brackets-tax-rates\u002F\" target=\"_self\"\u003ETax Brackets\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-reduce-taxable-income\u002F\" target=\"_self\"\u003ETax Tips\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fstates-with-no-income-tax\u002F\" target=\"_self\"\u003ETaxes By State\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftax-payment-plan-options\u002F\" target=\"_self\"\u003ETax Payment Plans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-9\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EHelp for Low Credit Scores\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-9\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-9\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Flow-credit-scores\u002F\"\u003EAll Help for Low Credit Scores\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-bad-credit\u002F\"\u003EBest Credit Cards for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans-for-bad-credit\u002F\"\u003EBest Personal Loans for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans-for-bad-credit\u002F\"\u003EBest Debt Consolidation Loans for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-to-consider-if-you-dont-have-credit-score\u002F\"\u003EPersonal Loans if You Don&#39;t Have Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\"\u003EBest Credit Cards for Building Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loans-to-apply-credit-score-580-or-lower\u002F\"\u003EPersonal Loans for 580 Credit Score Lower\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-credit-score-below-670\u002F\"\u003EPersonal Loans for 670 Credit Score or Lower\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-bad-credit-score\u002F\"\u003EBest Mortgages for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-hardship-loans\u002F\"\u003EBest Hardship Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-10\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EInvesting\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-10\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-10\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finvesting\u002F\"\u003EAll Investing\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-ira-accounts\u002F\"\u003EBest IRA Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-roth-ira-accounts\u002F\"\u003EBest Roth IRA Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-investing-apps\u002F\"\u003EBest Investing Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brokerage-free-stock-trading\u002F\"\u003EBest Free Stock Trading Platforms\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-robo-advisors\u002F\"\u003EBest Robo-Advisors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-index-funds\u002F\"\u003EIndex Funds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-mutual-funds\u002F\"\u003EMutual Funds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-etfs-should-you-invest\u002F\"\u003EETFs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-bonds\u002F\"\u003EBonds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-11\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ESelect\u003Cspan class=\"inline-logo\"\u003E\u003Csvg width=\"24\" height=\"14\" viewBox=\"0 0 24 14\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M13.7061 11.1534C13.7061 11.1534 13.8045 10.9578 13.8497 10.86C14.0058 10.5106 14.1619 10.1618 14.3179 9.81372L14.438 9.54482L16.9049 4.02582C17.3141 3.31883 17.5463 2.28622 17.1529 1.50002C16.992 1.14292 16.7526 0.826171 16.4525 0.573022C16.1499 0.328821 15.7956 0.156023 15.4162 0.0676063C15.0367 -0.0208072 14.6421 -0.0225239 14.2618 0.0625834C14.0458 0.110679 13.8382 0.190787 13.6461 0.300205C13.2527 0.507535 12.9233 0.817165 12.693 1.19604C12.4628 1.57492 12.3403 2.00883 12.3388 2.45147L12.3703 2.48375L13.4424 2.4945C13.5123 2.54242 13.6254 2.53655 13.6461 2.63824C13.2103 2.96974 12.4657 3.26505 12.5591 3.95541L13.6412 10.7701C13.6657 10.8991 13.7061 11.1534 13.7061 11.1534Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M9.67307 9.78209C9.84424 10.1605 10.0164 10.536 10.2033 10.9066C10.2407 10.9839 10.3184 11.1364 10.3184 11.1364C10.3184 11.1364 10.3843 10.7931 10.4089 10.6348L11.6276 2.87063C11.7047 2.31141 11.5929 1.74257 11.3098 1.25326C11.1521 0.997388 10.9507 0.770738 10.7148 0.583434C9.75668 -0.179293 8.27726 -0.168537 7.39982 0.717394C7.06026 1.04001 6.81864 1.45091 6.70247 1.90333C6.5863 2.35575 6.60025 2.83151 6.74273 3.27643C7.65361 5.29733 8.56481 7.31986 9.47634 9.34401C9.54224 9.48971 9.60717 9.63639 9.67307 9.78209Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M13.7492 12.8877L13.9932 12.7322L19.4466 9.01243L19.5676 8.92441L20.4765 8.30446C20.8966 7.98862 21.3933 7.74806 21.6943 7.26598C22.1792 6.58149 22.2756 5.46185 21.8399 4.72356C21.4887 4.0156 20.748 3.53646 20.0122 3.40542C19.5356 3.33278 19.048 3.39518 18.6054 3.58542C18.1627 3.77568 17.783 4.08608 17.5098 4.48106C17.4656 4.5456 17.4242 4.6121 17.3839 4.67663C16.1976 7.33932 14.8903 9.95703 13.824 12.6657L13.7492 12.8877Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M4.55985 9.00076C6.41407 10.272 10.2651 12.8877 10.2651 12.8877L10.1245 12.523L6.72294 4.98277L6.67375 4.87423C6.40376 4.2927 5.92338 3.83356 5.32824 3.58821C4.73309 3.34287 4.06683 3.3293 3.46209 3.55021C3.09951 3.69513 2.77483 3.92008 2.51257 4.20807C2.2503 4.49605 2.05732 4.83954 1.94822 5.21255C1.81921 5.67066 1.82747 6.15623 1.97197 6.60974C2.11646 7.06325 2.39093 7.465 2.76171 7.76574L4.27164 8.80323L4.55985 9.00076Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M13.4581 13.9992H21.5016C22.2659 13.9992 22.9584 13.6677 23.4866 13.0301C23.526 12.9822 23.5614 12.9324 23.5969 12.8786C24.0375 12.2127 24.1379 11.2387 23.7936 10.5141C23.5506 9.97925 23.0342 9.44436 22.4843 9.22924C21.7741 8.89188 20.7826 8.96717 20.1313 9.38471L16.0413 12.2136L15.814 12.3702L13.6303 13.8808L13.4581 13.9992Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.516102 13.0315C0.758373 13.3399 1.06959 13.588 1.42508 13.7559C1.78057 13.924 2.17055 14.0074 2.5641 13.9995H10.5446L9.67994 13.402L8.19657 12.3773L3.86844 9.38602C3.21725 8.96848 2.22572 8.8971 1.51551 9.23054C0.966622 9.44567 0.449214 9.98055 0.206249 10.5154C-0.0213014 11.0366 -0.0619288 11.6197 0.0911602 12.167C0.171236 12.4813 0.315924 12.7755 0.516102 13.0315Z\" fill=\"#0477C9\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-11\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-11\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\"\u003EAll Select\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fwellness\"\u003EWellness\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fhome-kitchen\"\u003EHome &amp; Kitchen\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Ftech-tools\"\u003ETech\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fpets\"\u003EPets\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Ftravel\" target=\"_self\"\u003ETravel\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fgift-guides\" target=\"_self\"\u003EGift Guides\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fdeals-sales\" target=\"_self\"\u003EDeals &amp; Sales\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fblack-friday\" target=\"_self\"\u003EBlack Friday 2024\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ful\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"menu-select__more\"\u003E\u003Cdiv class=\"menu-section-heading\"\u003EMore from CNBC\u003C\u002Fdiv\u003E\u003Cul class=\"menu-select__more-list\"\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fmoney-matters-newsletter\u002F\"\u003ESign up for the CNBC Select Newsletter\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fapplication\u002Fpro\u002F?__source=pro%7Chamburgermenu\" target=\"_self\"\u003ESubscribe to CNBC PRO\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002F\"\u003ECNBC\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002F\"\u003ENBC News\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.today.com\u002F\"\u003ETODAY\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fabout\u002F\"\u003EAbout CNBC\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fhelp.cnbc.com\u002F\"\u003EHelp\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fcnbc-careers-and-employment\u002F\"\u003ECareers\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcuniversal.com\u002Fprivacy?intake=CNBC\" target=\"_blank\" rel=\"noopener noreferrer\"\u003EPrivacy Policy\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca class=\"ot-sdk-show-settings\" target=\"_blank\" rel=\"noopener noreferrer\"\u003EYour Privacy Choices\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcuniversal.com\u002Fprivacy\u002Fcalifornia-consumer-privacy-act?intake=CNBC\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ECA Notice\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fnbcuniversal-terms-of-service\u002F\"\u003ETerms Of Service\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fsite-map\u002F\"\u003ECNBC Sitemap\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Ftogether.nbcuni.com\u002Fadvertise\u002F?utm_source=cnbc&amp;utm_medium=referral&amp;utm_campaign=property_ad_pages\"\u003EAdvertise\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcuniversal.com\u002Fprivacy\u002Fcookies#accordionheader2\" target=\"_blank\" rel=\"noopener noreferrer\"\u003EAd Choices\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"menu-select__follow\"\u003E\u003Cdiv class=\"menu-section menu-section-social\"\u003E\u003Cp class=\"menu-section-heading\"\u003EFollow Select\u003C\u002Fp\u003E\u003Cul class=\"menu-list\"\u003E\u003Cli class=\"menu-list-item\" data-track-event=\"mbt_navbar_follow\" data-track-key=\"platform\" data-track-value=\"twitter\"\u003E\u003Ca href=\"https:\u002F\u002Ftwitter.com\u002FCNBCSelect\" rel=\"noopener noreferrer\" target=\"_blank\" class=\"menu-list-item-link\" aria-label=\"select_cnbc twitter\"\u003E\u003Csvg width=\"1200\" height=\"1227\" viewBox=\"0 0 1200 1227\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M714.163 519.284L1160.89 0H1055.03L667.137 450.887L357.328 0H0L468.492 681.821L0 1226.37H105.866L515.491 750.218L842.672 1226.37H1200L714.137 519.284H714.163ZM569.165 687.828L521.697 619.934L144.011 79.6944H306.615L611.412 515.685L658.88 583.579L1055.08 1150.3H892.476L569.165 687.854V687.828Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"menu-list-item\" data-track-event=\"mbt_navbar_follow\" data-track-key=\"platform\" data-track-value=\"instagram\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fcnbcselect\u002F\" rel=\"noopener noreferrer\" target=\"_blank\" class=\"menu-list-item-link\" aria-label=\"select_cnbc instagram\"\u003E\u003Csvg xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\" fill=\"currentColor\" viewBox=\"0 0 20 21\"\u003E\u003Cpath d=\"M6.667 10a3.333 3.333 0 116.667 0 3.333 3.333 0 01-6.667 0m-1.802 0a5.135 5.135 0 1010.27 0 5.135 5.135 0 00-10.27 0m9.274-5.338a1.2 1.2 0 102.4 0 1.2 1.2 0 00-2.4 0M5.959 18.14c-.974-.044-1.504-.206-1.856-.344a3.11 3.11 0 01-1.15-.748 3.09 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insurance can protect your loved ones when you're gone by replacing lost income, paying off debts or leaving a financial legacy. There's a lot to consider, though, with different providers, different types of policies , coverage limits and assorted riders. CNBC Select has chosen the best life insurance companies in a variety of categories. (See our methodology for more information on how we made our choices.) Best life insurance companies Best for affordability: Amica Best for seniors: Mutual of Omaha Best for term life insurance: Protective Best for whole life insurance: MassMutual Best for universal life insurance: Pacific Life Best for long-term care insurance: Nationwide Best for smokers : Ethos Best for riders: Northwestern Mutual Best for final expense coverage: State Farm Best for no medical exam: Ladder Best for affordability: Amica Who's this for? Amica offers competitive life insurance rates starting at $8.28 per month. The brand also offers the ability to bundle with savings up to 30% when you combine your life insurance with a home and auto insurance policy. Standout benefits: Amica's policies include a free terminal illness rider, an extra cost with some insurers. [ Jump to more details ] Best for seniors: Mutual of Omaha Who's this for? Mutual of Omaha 's no-exam whole life policies are available for seniors up to age 85 and term life is available up to age 80, which are higher age limits than many competitors. Standout benefits: Long-term care insurance is available from Mutual of Omaha to applicants between ages 30 and 79, with a 15% discount for couples who enroll together and a 5% discount if only one partner gets coverage. [ Jump to more details ] Best for term life insurance: Protective Who's this for? If you only want coverage for a set period, Protective has terms of up to 40 years — a rarity in the industry. Standout benefit : Protective term life insurance can be converted into any permanent policy in the first five years. After that, you can convert it to whole life. [ Jump to more details ] Best for whole life insurance: MassMutual Who's this for: MassMutual offers several whole life insurance options, including a survivorship whole life insurance policy and many choices on how long you'll pay premiums to keep a policy within your budget. Standout benefits: MassMutual has paid dividends to eligible policyholders annually since 1869, with a record 6.4% interest rate set for 2025. [ Jump to more details ] Best for universal life insurance: Pacific Life Who's this for? Pacific Life stands out for having both indexed and variable universal life insurance . Plans build cash value early on and can address specific concerns, like supplementing retirement income. Standout benefits: Pacific Life doesn't set maximum coverage limits for its plans, with some policies paying out more than $10 million. [ Jump to more details ] Best for long-term care insurance: Nationwide Who's this for? Nationwide has two hybrid long-term care insurance policies, CareMatters and CareMatters Together, which pay out for up to seven years and have a cash indemnity benefit, so you don't have to wait to get reimbursed. It also has a long-term care rider on some life insurance policies. Standout benefits: Nationwide's advanced underwriting program enables healthy applicants to get approved for up to $5 million in term life coverage without an exam. You can make one-time, monthly or annual payments for five or 10 years, or until age 65 or 100. [ Jump to more details ] Best for smokers: Ethos Who's this for? Smokers pay more for life insurance but Ethos has reasonable rates for smokers in good health and with no other risk factors. In most cases, you can get up to $2 million in coverage without a medical exam. Standout benefits: Adults 65 to 85 can qualify for a whole life policy that can be used for final expenses with a payout of up to $25,000. [ Jump to more details ] Best for riders: Northwestern Mutual Who's this for? Northwestern Mutual has a generous number of useful endorsements and riders , including a long-term care rider, an additional purchase benefit and a waiver of premium rider, which can keep coverage from lapsing even if you can't pay premiums because of an illness or disability. Standout benefits: You can convert a term life insurance policy into whole life with no underwriting or medical exam. [ Jump to more details ] Best for final expense coverage: State Farm Who's this for: State Farm offers affordable final expense insurance , which can pay for funeral arrangements, outstanding legal or medical bills and other expenses your loved ones may face. Policies are available with up to $15,000 death benefits for those between ages 45 and 85 (50 to 75 in New York) . Standout benefits : Final expense coverage is a guaranteed issue policy, so your approval is almost instant and doesn't hinge on answers to medical questions or an exam. [ Jump to more details ] Best for no medical exam: Ladder Who's this for? Ladder 's term life insurance offers no-medical-exam policies for up to $3 million, three times what some competitors offer. Standout benefits: Ladder's most unique feature is that coverage is adjustable, so you can dial it back later in life when you've met goals like paying off your mortgage. [ Jump to more details ] More on our top life insurance companies Amica Founded as the Automobile Mutual Insurance Company of America in 1907, Amica offers auto , home , life , renters , flood , small business and pet insurance . Depending on where you live, Amica offers dividend policies with returns up to 20% of your annual premium and discounts for bundling life and auto insurance. Availability: Nationwide except Hawaii Policies: Term and whole J.D. Power customer satisfaction ranking: Not ranked NAIC complaint index: Fewer than expected A.M. Best financial strength rating: A+ (Superior) [ Return to summary ] Mutual of Omaha Mutual of Omaha was established in 1909 as the Mutual Benefit Health & Accident Association. It paid out $7.1 billion in benefits in 2023, representing nearly 6.5 million policies in force. Mutual of Omaha also offers long-term care and disability insurance , supplemental Medicare, mortgages and investment services. Availability : Available nationwide except in New York Policies: Term, whole, universal, indexed universal, guaranteed issue whole J.D. Power customer satisfaction ranking: Above average NAIC complaint index: Fewer than expected A.M. Best financial strength rating: A+ (Superior) [ Return to summary ] Protective Nashville-based Protective has more than 14 million policies in force in 2024. In addition to term, whole and seven different universal life policies, the brand also offers disability insurance , annuities and other financial products. Availability : Available in all 50 states Policies: Term, whole universal, variable universal J.D. Power customer satisfaction ranking: Above average NAIC complaint index Fewer than expected A.M. Best financial strength rating: A+ (Superior) [ Return to summary ] MassMutual The Massachusetts Mutual Life Insurance Company — or MassMutual — has more than $1 trillion in life insurance protection in force. It also offers retirement planning and investment management services. Available: Available nationwide except in Alaska Policies: Term, whole, universal, variable universal J.D. Power customer satisfaction ranking: Above average NAIC complaint index : Greater than expected A.M. Best financial strength rating: A++ (Superior) [ Return to summary ] Pacific Life Founded in 1868 with help from former California Governor Leland Stanford, Pacific Life had $1.3 trillion in life insurance policies in force in 2023 and paid out $18 billion in benefits. Availability : Available nationwide except in New York Policies: Term, whole, universal, variable universal, indexed universal, survivorship indexed universal, survivorship variable universal J.D. Power customer satisfaction ranking: Above average NAIC complaint index Fewer than expected A.M. Best financial strength rating: A+ (Superior) [ Return to summary ] Nationwide One of the largest life insurance companies in the U.S., Nationwide started out in Columbus, Ohio, in 1926. In addition to life insurance, it offers highly customizable long-term care insurance , with no restrictions on how benefits can be used. Availability : Nationwide CareMatters not available in California or New York Policies: Term, whole, universal, variable universal J.D. Power customer satisfaction ranking: Above average NAIC complaint index: Greater than expected A.M. Best financial strength rating: A (Excellent) [ Return to summary ] Ethos Online insurance broker Ethos offers a fully digital application and no-exam plans underwritten by top providers, including Ameritas, TruStage, Mutual of Omaha, CMFG and Legal & General America. Policies come with free estate planning tools. Availability : Available nationwide except in New York Policies: Term and whole J.D. Power customer satisfaction ranking: Not ranked NAIC complaint index: Depends on underwriter A.M. Best financial strength rating: A (Excellent) [ Return to summary ] Northwestern Mutual Northwestern Mutual is the second-largest life insurance company in the U.S., holding a 6.74% market share in 2023 and more than $13 billion in direct premiums. It's paid out dividends annually since 1872, with a record payout of $8.2 billion announced for 2025. Northwest Mutual also offers disability insurance , annuities, financial planning services and more. Availability : Available in all 50 states Policies: Term, whole, universal and variable universal J.D. Power customer satisfaction ranking: Above average NAIC complaint index: Fewer than expected A.M. Best financial strength rating: A++ (Superior) [ Return to summary ] State Farm While it started with auto insurance in 1922, State Farm is now one of the largest life insurance providers in the U.S., with $1.1 trillion in policies in force and over $725 million in dividends issued in 2023. In addition to life and auto , State Farm offers coverage for homes , condos , renters , businesses and pets (in partnership with Trupanion). Availability: Nationwide except Massachusetts and Rhode Island Policies: Term, whole, universal and joint universal J.D. Power customer satisfaction ranking: Above average NAIC complaint index: Fewer than expected A.M. Best financial strength rating: A++ (Superior) [ Return to summary ] Ladder Online provider Ladder only arrived on the scene in 2015, but its no-frills term policies are backed by Amica, Allianz, Fidelity Security and other well-established insurance companies. Policies are available to applicants between 20 and 60 years old. Availability: Available in all 50 states, depending on underwriter. Policies: Term J.D. Power customer satisfaction ranking: Not ranked NAIC complaint index Fewer than expected A.M. Best financial strength rating: Depends on underwriter [ Return to summary ] What is life insurance? In its most basic form, life insurance provides money to your beneficiaries in the event of your death. In many cases, these funds are intended to replace the income lost by your passing — to cover everything from daily expenses to sending your children to college. But the payout, known as a death benefit, can also be used for a burial, help settle your estate or provide a financial legacy. There are also policies that pay out if you're diagnosed with a disability or terminal illness, allowing you to pay for care while you're still alive. And some have a cash value component that accrues over time. How does life insurance work? Life insurance functions differently depending on what type of policy you choose. For individual life insurance (not provided through your workplace), you'll typically select a plan and provide personal information for the provider to use in its underwriting process. You may have to undergo a medical exam to determine what level of risk you pose to the insurer. If you're accepted, you'll begin paying monthly premiums and coverage will begin. How much life insurance do I need? There's no set amount of life insurance coverage for everyone. Many experts suggest getting a policy with a payout equal to 10 times your annual salary . Another strategy is the DIME method, which adds up the total sum from these four categories: Debt: All the debt you would leave to your family after your death. Income: Your annual income multiplied by the number of years you think your family would need your financial support after you die. Mortgage: Your outstanding mortgage and property taxes. Education: How much it would cost to put each of your children through college. The human-life value (HLV) approach calculates how much money you provide your family for a set time and how much life insurance you'd need to replace that income. Estimate your average annual income for the rest of your earning years. (Err on the side of being generous.) Subtract how much money you’d expect to spend on yourself, including your personal taxes and expenses. Consider how long your family will need to rely on your future earnings until your retirement or until your children can earn an income. Then multiply the net annual salary your beneficiaries will need by the number of years they'll need it. The result is your future earnings (or “future value”) that your policy is trying to replace. The final step is to calculate the present value of your future earnings ( i.e. how much life insurance you need to buy now). Because your death benefit will likely be held in an interest-bearing account, assume it will earn a conservative rate of return of 5%. For the purposes of the HLV calculation, this rate of return is called the “discount rate.” Now, you can figure out the amount using a present value calculator or do it manually with the formula PV = FV÷ (1 + discount rate) time period . An example of the human-life value approach to life insurance Let’s say you expect to make $80,000 a year on average for the next 15 years before you retire. You’d pay $24,000 in taxes and expenses and use the remaining $56,000 to support your family. If you expect to retire in 15 years, that brings your future earnings to $840,000. Adjusted for the 5% discount rate, the present value is $404,054, which is how much life insurance you should buy. These are all just rough estimates, however, that don't consider the age of your dependents, any unusual assets or debts, an expected inheritance or other specific circumstances. I It's a good idea to work with a financial advisor to determine your specific amount of coverage. How much does life insurance cost? For a term life policy, which generally has the lowest premiums, a 30-year-old female in good health will pay an average of about $23 per month for a $500,000, 20-year term policy, according to November 2024 data from Policygenius . A 30-year-old male would pay about $30 per month for the same policy. For a $500,000 whole life policy, a 30-year-old female would pay about $408 per month, while a male would pay about $472 per month. Several factors play into the cost of premiums, however, including: Age : As we get older, more health issues may emerge, so premiums cost more the older you are. Gender : Men have a shorter life expectancy than women, so they tend to pay more for life insurance. Medical history : Insurance companies consider people diagnosed with or who have a family history of diabetes, high blood pressure, or heart disease a bigger risk to ensure. Smoking : Smoking can shorten your life expectancy by at least 10 years, so smokers can pay more than twice what a nonsmoker would for the same policy. Risk factors : High-risk hobbies, a risky profession or even a spotty driving record can be factors in how much you pay. Types of life insurance What to know about the most common types of coverage Term life insurance A term life policy is in force for a predetermined number of years, with fixed premiums and a fixed payout if you die. If you survive to the end of the term, there's no payout or refund. This is often a cheaper option chosen by families who want to be protected during their most vulnerable years (when children are young, when the mortgage isn't paid off, etc.) Whole life insurance Assuming you keep up with payments, whole life insurance policies remain in effect for your entire life. Premiums and death benefit s are also fixed but, unlike term life, the policy builds cash value you can use to help pay your premiums, make withdrawals or use as collateral for a loan. Depending on the company, whole life insurance can also qualify you for dividends. You can use the dividends to pay premiums, take them in cash or leave them with the insurance company to earn interest. Burial insurance (also known as pre-need, funeral or final expense insurance) is a whole life policy used to pay for a funeral and burial, outstanding medical or legal bills and other end-of-life expenses. Payouts are usually capped at $25,000, though some companies offer up to $40,000 of coverage. It's a guaranteed issue policy, so you don't have to worry about having to get approved or take a medical exam. Universal life insurance Unlike term and whole life insurance, universal life insurance has premiums and a cash value component that fluctuate and death benefits that aren't guaranteed. There are several different kinds of universal life insurance policies. Indexed universal life builds cash value based on index funds. Variable universal life allows the policyholder more control over how premiums are invested. That means the death benefit isn't guaranteed if the funds have been poorly managed. Guaranteed universal life offers fixed premiums and a guaranteed payout, but it won't accumulate much, if any, cash value. How to shop for life insurance Life insurance is an important but complex part of financial planning: Not only do you need to find the right provider, but you also have to figure out what kind of policy and coverage you need. When trying to choose the right life insurance company, there are several things to consider. Availability Not all insurance companies are licensed in all states or offer all their products in every state they operate in. Before you get too deep into investigating a candidate, make sure it operates in your state. Policies Some insurance companies only offer term life, while others may lack no-exam policies. Once you know if you want term, whole or universal insurance, limit your search to companies that offer that kind of policy. Larger providers tend to have more options Coverage limits If a prospective insurance company has a minimum coverage limit that's far beyond your requirements, it might not be a good fit. On the other hand, if you're the sole breadwinner for a family with a large mortgage and three kids planning to go to college, will a company's maximum coverage limit be enough for you? Cost Just like with everything else, price is an important factor in life insurance. But low rates don't tell the whole story — a cheaper policy may have a smaller death benefit, fewer options for riders or more restrictive requirements for approval. Be sure to get rate quotes from multiple insurance companies for a policy with the same term, death benefit and riders so you can compare apples to apples. Riders Riders , also known as endorsements, are how you customize your life insurance policy. They allow you to adjust your coverage amounts, access benefits if you become seriously ill and even convert one kind of policy into another. Some riders are offered free, though, most cost extra. Customer service This could very well be a lifelong relationship, so selecting an insurance company with good customer service will pay off. You can review a company's customer satisfaction ranking on J.D. Power's annual individual life insurance survey and look at complaints filed with the state on the National Association of Insurance Commissioners website . The Better Business Bureau also grades insurance companies, with providers with many unresolved complaints receiving poor letter grades. You might also want to consider if you can apply, get approved and make policy changes online and whether customer service is available on the weekends. Financial strength The best policy in the world doesn't mean a thing if an insurance company can't pay out the benefit as promised. A.M. Best is one of the leading credit rating agencies that, among other things, rates insurance companies on their financial strength. A high financial strength score, an A or A+, is a good indicator the company will be able to pay out the benefits on your policy when the time comes. How to save on life insurance There are a few strategies to keep your premiums down 1. Buy it when you're young As you get older, life insurance companies see you as a bigger risk and the cost to cover you goes up. Locking in a level-term policy will keep your premiums the same for the length of your policy. 2. Get term life insurance While term life is only active for a set period, on average, it costs one-sixth of a whole life policy. Pick a term length that protects your family when you need the most coverage — like while your children are still young. 3. Maintain a healthy lifestyle We can't control every aspect of our health, but regular exercise, a healthy diet, limited alcohol use and good sleep habits can get you a better rate. And if you smoke, it's time to quit: Tobacco smokers are charged anywhere from 40% to 100% more than non-smokers for the same policy. (If you take a medical exam, you may be given a nicotine test to verify your tobacco usage.) 4. Don't skip the medical exam If you're young and relatively healthy, a policy requiring a medical exam will have lower premiums and higher coverage amounts than a no-exam policy . It's free and can take as little as 30-40 minutes. 5. Comparison shop Not every insurance company considers your medical history and risk factors the same. Get quotes from several providers and be sure to ask about discounts. Is life insurance worth it? Life insurance can be worth it if you have loved ones who depend on your income to meet the necessities of life and pay major bills, like mortgage payments, insurance and student loans. Even if you don't have dependents, a burial insurance policy can help with final expenses: According to the National Funeral Directors Association , the median cost of a funeral with a viewing and burial in 2023 was $8,300. Even just a cremation has a median price tag of $6,280. Whether you need a policy, what kind and for how much are very personal questions, however, and it may be worth discussing with a financial advisor with a clear picture of your situation and available options. Is life insurance worth it? Life insurance is a good idea if you have a partner or children who rely on your income for daily expenses, mortgage payments, student loans or other debts. Even if you don't, a policy can cover funeral expenses or leave a financial legacy for your children or a charity. How much life insurance do I need? There's no set amount of life insurance everyone needs. A common rule of thumb is to have a policy with coverage equal to at least 10 times your annual income. The DIME method is another popular strategy. What is final expense insurance? Final expense insurance , also known as burial insurance, is a basic whole life policy that pays out enough to cover funeral expenses, outstanding medical or legal bills and other costs associated with settling your estate. They don't require a medical exam and acceptance is often guaranteed. Is life insurance through work enough? Some employers offer life insurance as a workplace benefit. However, many people with dependents need more than this coverage offers. There's very little room for customization and when you leave the company, the policy expires. Pairing group life insurance with an individual policy could get you the coverage you need. Is life insurance taxable? According to the IRS, life insurance proceeds you receive as a beneficiary are generally not included in your gross income and are not taxed. If the benefit is paid in installments, like an annuity, you may have to pay taxes on the interest that has accrued. Do life insurance policies pay dividends? Some forms of permanent life insurance can pay dividends to eligible policyholders that can be used to pay premiums, increase your coverage or taken as cash. Dividends are never guaranteed but some companies, like Northwestern Mutual and MassMutual , have paid dividends annually for well over a century. What is supplemental life insurance? Supplemental life insurance is extra coverage designed to bolster a basic policy. You can often get supplemental life insurance from an employer offering free group life insurance or from a private insurer. Subscribe to the CNBC Select Newsletter! Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here . Why trust CNBC Select? At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every life insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of life insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. Our methodology To determine the best life insurance companies, CNBC Select collected data points on dozens of U.S. life insurance companies that write individual policies. From there, we considered the types of life insurance products offered, state availability, coverage limits, average rates, the number and types of riders and the application process , including if there were policies that didn't require a medical exam. We also incorporated ratings from J.D. Power’s life insurance customer satisfaction survey , the National Association of Insurance Commissioners complaint index and the Better Business Bureau, as well as A.M. Best financial strength ratings. We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools. After considering the above features, we sorted recommendations by the best insurance companies for affordability, for seniors, for term life, for whole life, for universal life, for long-term care coverage, for smokers, for riders, for final expenses and for no-medical-exam policies Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date. Read more The best cheap life insurance companies Why your employer's life insurance policy probably isn't enough The best long-term care insurance Guardian life insurance review: Flexible coverage and numerous riders","contentClassification":[],"faqContent":{"tagName":"card-module","attributes":{"type":"question-answer","title":"FAQs"},"children":[{"question":"Is life insurance worth it?","answer":{"html":"\u003Cp\u003ELife insurance is a good idea if you have a partner or children who rely on your income for daily expenses, mortgage payments, student loans or other debts. Even if you don't, a policy can cover funeral expenses or leave a financial legacy for your children or a charity.\u003C\u002Fp\u003E"}},{"question":"How much life insurance do I need? ","answer":{"html":"\u003Cp\u003EThere's no set amount of life insurance everyone needs. A common rule of thumb is to have a policy with coverage equal to at least 10 times your annual income. The \u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-much-life-insurance-do-i-need\u002F\"\u003EDIME method\u003C\u002Fa\u003E is another popular strategy.\u003C\u002Fp\u003E"}},{"question":"What is final expense insurance?","answer":{"html":"\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-burial-insurance-companies\u002F\"\u003EFinal expense insurance\u003C\u002Fa\u003E, also known as burial insurance, is a basic whole life policy that pays out enough to cover funeral expenses, outstanding medical or legal bills and other costs associated with settling your estate. They don't require a medical exam and acceptance is often guaranteed.\u003C\u002Fp\u003E"}},{"question":"Is life insurance through work enough?","answer":{"html":"\u003Cp\u003ESome \u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fopen-enrollment-employer-life-insurance\u002F\"\u003Eemployers offer life insurance\u003C\u002Fa\u003E as a workplace benefit. However, many people with dependents need more than this coverage offers. There's very little room for customization and when you leave the company, the policy expires. Pairing \u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-is-group-life-insurance-how-it-works\u002F\"\u003Egroup life insurance\u003C\u002Fa\u003E with an individual policy could get you the coverage you need.\u003C\u002Fp\u003E"}},{"question":"Is life insurance taxable?","answer":{"html":"\u003Cp\u003EAccording to the IRS, life insurance proceeds you receive as a beneficiary are generally not included in your gross income and are not taxed. If the benefit is paid in installments, like an annuity, you may have to pay taxes on the interest that has accrued.\u003C\u002Fp\u003E"}},{"question":"Do life insurance policies pay dividends?","answer":{"html":"\u003Cp\u003ESome forms of permanent life insurance can pay dividends to eligible policyholders that can be used to pay premiums, increase your coverage or taken as cash. Dividends are never guaranteed but some companies, like \u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fk741799c49ba\"\u003ENorthwestern Mutual\u003C\u002Fa\u003E and \u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fgb55358d1ed8\"\u003EMassMutual\u003C\u002Fa\u003E, have paid dividends annually for well over a century.\u003C\u002Fp\u003E"}},{"question":"What is supplemental life insurance?","answer":{"html":"\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-is-supplemental-life-insurance\u002F\"\u003ESupplemental life insurance\u003C\u002Fa\u003E is extra coverage designed to bolster a basic policy. You can often get supplemental life insurance from an employer offering free group life insurance or from a private insurer.\u003C\u002Fp\u003E"}}]},"premium":false,"section":{"id":107159742,"color":null,"__typename":"franchise"},"native":false,"creatorOverwrite":null,"sourceOrganization":[{"id":80000022,"url":"https:\u002F\u002Fwww.cnbc.com\u002Fsearch\u002F?query=CNBC%20US","name":"CNBC.com","logo":null,"creatorOverwrite":null,"linkHeadline":null,"__typename":"source"}],"body":{"content":[{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":[{"tagName":"a","attributes":{"id":"107293885","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-much-life-insurance-do-i-need\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["Life insurance"]}," can protect your loved ones when you're gone by replacing lost income, paying off debts or leaving a financial legacy. ",{"tagName":"br"},{"tagName":"br"},"There's a lot to consider, though, with different providers, ",{"tagName":"a","attributes":{"id":"107286239","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhole-vs-term-life-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["different types of policies"]},", coverage limits and assorted riders."]},{"tagName":"p","children":[{"tagName":"a","attributes":{"id":"105806347","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F","type":"franchise","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["CNBC Select"]}," has chosen the best life insurance companies in a variety of categories. (See ",{"tagName":"a","attributes":{"id":"107186093","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-companies\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["our methodology"]}," for more information on how we made our choices.)"]}],"__typename":"bodyContent"},{"tagName":"wildcard","attributes":{"id":"107363399","contentUrl":"https:\u002F\u002Fcapi-bl-web.cnbc.com\u002Fapi\u002Fv1\u002Fid\u002F107363399","type":"wildcard","slug":"Money Group Life Insurance Embed","title":"Money Group Life Insurance 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class=\"group\"\u003E\u003Cp\u003EYes\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fgroup\u003E\u003Cgroup\u003E\u003Csubtitle\u003EPolicy highlights\u003C\u002Fsubtitle\u003E\u003Cdiv class=\"group\"\u003E\u003Cp\u003EMutual of Omaha offers term, whole, indexed universal life and universal life policies\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fgroup\u003E\u003C\u002Fbody\u003E","linkToLearnMore":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fo18f2f96e940","image":{"url":"https:\u002F\u002Ffm.cnbc.com\u002Fapplications\u002Fcnbc.com\u002Fresources\u002Fproduct_select\u002F2023\u002F01\u002F31\u002Fmutualofomaha012023.png"},"relation":[{"position":16,"relationType":"related","isPromoted":"false"}]},"data":{"subType":"insurance","productFeatures":[],"title":"Mutual of Omaha Life Insurance ","pros":["Policies available up to age 85 ","No-medical-exam policies available","Can convert term life into whole life policy with no medical exam"],"cons":["Guaranteed whole life 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Best financial strength rating: "]},"A++",{"tagName":"em","children":[" "]},"(Superior)"]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#vYYxgD1bl7","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}," "]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["State Farm"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"uM7yPiT6gfT"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["While it started with auto insurance in 1922, ",{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fb9877012b33a"},"children":["State Farm"]}," is now one of the largest life insurance providers in the U.S., with $1.1 trillion in policies in force and over $725 million in dividends issued in 2023. In addition to life and ",{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fi4ce986d7c7d"},"children":["auto"]},", State Farm offers coverage for ",{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fwww.bankrate.com\u002Flanding\u002Fselect\u002Fbest-homeinsurance-options-cnbc\u002F?mf_ct_campaign=cnbc-homeins-statefarm-spl-lp&product-name=State+Farm+Home+Insurance&sub-id=PLACESUBIDHERE"},"children":["homes"]},", ",{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fud434ebb3b18"},"children":["condos"]},", ",{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fw5d9d59ddb2c"},"children":["renters"]},", businesses and ",{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fv6ae5a5b14d1"},"children":["pets"]}," (in partnership with Trupanion).",{"tagName":"br"},{"tagName":"br"},{"tagName":"strong","children":["Availability: "]},"Nationwide except Massachusetts and Rhode Island"]},{"tagName":"p","children":[{"tagName":"strong","children":["Policies: "]},"Term, whole, universal and joint universal "]},{"tagName":"p","children":[{"tagName":"strong","children":["J.D. Power customer satisfaction ranking: "]},"Above average"]},{"tagName":"p","children":[{"tagName":"strong","children":["NAIC complaint index:"]}," Fewer than expected"]},{"tagName":"p","children":[{"tagName":"strong","children":["A.M. Best financial strength rating: "]},"A++ (Superior)"]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#WdJF-EtR-i","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}," "]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Ladder"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"fn7Gx1MPkok"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["Online provider ",{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fa85d6a5d5926"},"children":["Ladder"]}," only arrived on the scene in 2015, but its no-frills term policies are backed by Amica, Allianz, Fidelity Security and other well-established insurance companies. Policies are available to applicants between 20 and 60 years old.",{"tagName":"br"},{"tagName":"br"},{"tagName":"strong","children":["Availability: "]},"Available in all 50 states, depending on underwriter."]},{"tagName":"p","children":[{"tagName":"strong","children":["Policies: "]},"Term"]},{"tagName":"p","children":[{"tagName":"strong","children":["J.D. Power customer satisfaction ranking: "]},"Not ranked"]},{"tagName":"p","children":[{"tagName":"strong","children":["NAIC complaint index"]}," Fewer than expected"]},{"tagName":"p","children":[{"tagName":"strong","children":["A.M. Best financial strength rating: "]},"Depends on underwriter"]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#8Lx1ttB4mC","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}," "]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["What is life insurance?"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["In its most basic form, ",{"tagName":"a","attributes":{"id":"107293885","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-much-life-insurance-do-i-need\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["life insurance"]}," provides money to your beneficiaries in the event of your death. ",{"tagName":"br"},{"tagName":"br"},"In many cases, these funds are intended to replace the income lost by your passing — to cover everything from daily expenses to sending your children to college. But the payout, known as a death benefit, can also be used for a burial, help settle your estate or provide a financial legacy.",{"tagName":"br"},{"tagName":"br"},"There are also policies that pay out if you're diagnosed with a disability or terminal illness, allowing you to pay for care while you're still alive. And some have a cash value component that accrues over time."]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["How does life insurance work?"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["Life insurance functions differently depending on what type of policy you choose. For individual life insurance (not provided through your workplace), you'll typically select a plan and provide personal information for the provider to use in its underwriting process. You may have to undergo a ",{"tagName":"a","attributes":{"id":"107204542","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fno-exam-life-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["medical exam"]}," to determine what level of risk you pose to the insurer."]},{"tagName":"p","children":["If you're accepted, you'll begin paying monthly premiums and coverage will begin."]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["How much life insurance do I need?"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["There's no set amount of life insurance coverage for everyone. Many experts suggest getting a policy with a payout equal to ",{"tagName":"a","attributes":{"id":"102046262","href":"https:\u002F\u002Fwww.cnbc.com\u002F2014\u002F10\u002F03\u002Fhow-much-life-insurance-do-you-need.html","type":"cnbcnewsstory","brand":"cnbc","section":{},"premium":false,"contentClassification":[]},"children":["10 times your annual salary"]},"."]},{"tagName":"p","children":["Another strategy is the DIME method, which",{"tagName":"strong","children":[" "]},"adds up the total sum from these four categories:"]},{"tagName":"ul","children":[{"tagName":"li","children":[{"tagName":"strong","children":["Debt: "]},"All the debt you would leave to your family after your death."]},{"tagName":"li","children":[{"tagName":"strong","children":["Income: "]},"Your annual income multiplied by the number of years you think your family would need your financial support after you die."]},{"tagName":"li","children":[{"tagName":"strong","children":["Mortgage: "]},"Your outstanding mortgage and property taxes."]},{"tagName":"li","children":[{"tagName":"strong","children":["Education: "]},"How much it would cost to put each of your children through college."]}]},{"tagName":"p","children":["The human-life value (HLV) approach calculates how much money you provide your family for a set time and how much life insurance you'd need to replace that income."]},{"tagName":"ul","children":[{"tagName":"li","children":["Estimate your average annual income for the rest of your earning years.",{"tagName":"strong","children":[" "]},"(Err on the side of being generous.)"]},{"tagName":"li","children":["Subtract how much money you’d expect to spend on yourself, including your personal taxes and expenses."]},{"tagName":"li","children":["Consider how long your family will need to rely on your future earnings until ",{"tagName":"a","attributes":{"href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Faverage-retirement-account-balance\u002F","section":{},"premium":false,"contentClassification":[]},"children":["your retirement"]}," or until your children can earn an income."]},{"tagName":"li","children":["Then multiply the net annual salary your beneficiaries will need by the number of years they'll need it."]},{"tagName":"li","children":["The result is your future earnings (or “future value”) that your policy is trying to replace."]},{"tagName":"li","children":["The final step is to calculate the present value of your future earnings",{"tagName":"strong","children":[" ("]},"i.e. how much life insurance you need to buy now). Because your death benefit will likely be held in an interest-bearing account, assume it will earn a conservative rate of return of 5%. For the purposes of the HLV calculation, this rate of return is called the “discount rate.”"]},{"tagName":"li","children":["Now, you can figure out the amount using a ",{"tagName":"a","attributes":{"href":"https:\u002F\u002Fwww.calculator.net\u002Fpresent-value-calculator","section":{},"premium":false,"contentClassification":[]},"children":["present value calculator"]}," or do it manually with the formula PV = FV÷ (1 + discount rate)",{"tagName":"sup","children":["time period "]},"."]}]}],"__typename":"bodyContent"},{"tagName":"card-module","attributes":{"type":"info"},"data":{"__typename":"asset"},"children":[{"tagName":"h2","children":["An example of the human-life value approach to life insurance"]},{"tagName":"p","children":["Let’s say you expect to make $80,000 a year on average for the next 15 years before you retire. You’d pay $24,000 in taxes and expenses and use the remaining $56,000 to support your family. If you expect to retire in 15 years, that brings your future earnings to $840,000. ",{"tagName":"br"},{"tagName":"br"},"Adjusted for the 5% discount rate, the present value is $404,054, which is how much life insurance you should buy."]}],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["These are all just rough estimates, however, that don't consider the age of your dependents, any unusual assets or debts, an expected inheritance or other specific circumstances. I",{"tagName":"br"},{"tagName":"br"},"It's a good idea to ",{"tagName":"a","attributes":{"href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffinancial-advisor-vs-financial-planner\u002F","section":{},"premium":false,"contentClassification":[]},"children":["work with a financial advisor"]}," to determine your specific amount of coverage."]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["How much does life insurance cost?"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["For a term life policy, which generally has the lowest premiums, a 30-year-old female in good health will pay an average of about $23 per month for a $500,000, 20-year term policy, according to November 2024 data from ",{"tagName":"a","attributes":{"href":"https:\u002F\u002Fwww.policygenius.com\u002Flife-insurance\u002Flife-insurance-rates\u002F","section":{},"premium":false,"contentClassification":[]},"children":["Policygenius"]},". A 30-year-old male would pay about $30 per month for the same policy."]},{"tagName":"p","children":["For a $500,000 whole life policy, a 30-year-old female would pay about $408 per month, while a male would pay about $472 per month."]},{"tagName":"p","children":["Several factors play into the cost of premiums, however, including:"]},{"tagName":"ul","children":[{"tagName":"li","children":[{"tagName":"strong","children":["Age"]},": As we get older, more health issues may emerge, so premiums cost more the older you are."]},{"tagName":"li","children":[{"tagName":"strong","children":["Gender"]},": Men have a shorter life expectancy than women, so they tend to pay more for life insurance."]},{"tagName":"li","children":[{"tagName":"strong","children":["Medical history"]},": Insurance companies consider people diagnosed with or who have a family history of diabetes, high blood pressure, or heart disease a bigger risk to ensure."]},{"tagName":"li","children":[{"tagName":"strong","children":["Smoking"]},": Smoking can shorten your life expectancy by at least 10 years, so smokers can pay more than twice what a nonsmoker would for the same policy."]},{"tagName":"li","children":[{"tagName":"strong","children":["Risk factors"]},": High-risk hobbies, a risky profession or even a spotty driving record can be factors in how much you pay."]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Types of life insurance"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["What to know about the most common types of coverage"]},{"tagName":"h3","children":[{"tagName":"strong","children":["Term life insurance"]}]},{"tagName":"p","children":["A ",{"tagName":"a","attributes":{"id":"107248879","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-is-term-life-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["term life policy"]}," is in force for a predetermined number of years, with fixed premiums and a fixed payout if you die. If you survive to the end of the term, there's no payout or refund. This is often a cheaper option chosen by families who want to be protected during their most vulnerable years (when children are young, when the mortgage isn't paid off, etc.)"]},{"tagName":"h3","children":[{"tagName":"strong","children":["Whole life insurance"]}]},{"tagName":"p","children":["Assuming you keep up with payments, ",{"tagName":"a","attributes":{"id":"107278672","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-is-whole-life-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["whole life insurance policies"]}," remain in effect for your entire life. Premiums and death benefit",{"tagName":"a","attributes":{"id":"107365833","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-burial-insurance-companies\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["s"]}," are also fixed but, unlike term life, the policy builds ",{"tagName":"a","attributes":{"id":"107283546","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-is-cash-value-life-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["cash value"]}," you can use to help pay your premiums, make withdrawals or use as collateral for a loan."]},{"tagName":"p","children":["Depending on the company, whole life insurance can also qualify you for dividends. You can use the dividends to pay premiums, take them in cash or leave them with the insurance company to earn interest."]},{"tagName":"p","children":[{"tagName":"a","attributes":{"id":"107365833","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-burial-insurance-companies\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["Burial insurance"]}," (also known as pre-need, funeral or final expense insurance) is a whole life policy used to pay for a funeral and burial, outstanding medical or legal bills and other end-of-life expenses. Payouts are usually capped at $25,000, though some companies offer up to $40,000 of coverage."]},{"tagName":"p","children":["It's a guaranteed issue policy, so you don't have to worry about having to get approved or take a medical exam."]},{"tagName":"h3","children":["Universal life insurance"]},{"tagName":"p","children":["Unlike term and whole life insurance, universal life insurance has premiums and a cash value component that fluctuate and death benefits that aren't guaranteed.",{"tagName":"br"},{"tagName":"br"},"There are several different kinds of universal life insurance policies."]},{"tagName":"ul","children":[{"tagName":"li","children":[{"tagName":"strong","children":["Indexed universal life"]}," builds cash value based on index funds. "]},{"tagName":"li","children":[{"tagName":"strong","children":["Variable universal life "]},"allows the policyholder",{"tagName":"strong","children":[" "]},"more control over how premiums are invested. That means the death benefit isn't guaranteed if the funds have been poorly managed."]},{"tagName":"li","children":[{"tagName":"strong","children":["Guaranteed universal life "]},"offers fixed premiums and a guaranteed payout, but it won't accumulate much, if any, cash value. "]}]}],"__typename":"bodyContent"},{"tagName":"chart","attributes":{"type":"chart","id":"108055354","headline":"types of life insurance","url":"https:\u002F\u002Fwww.cnbc.com\u002Fsearch\u002F?query=","datePublished":"2024-10-31T01:57:54+0000","chartType":"csv","rows":[["Type","Term length","Death benefit","Cash value","Medical exam","Death benefit","Best for"],["Term","10-30 years","Fixed","No","Varies","$100,000+","Young families and homeowners"],["Whole","Entire life","Fixed","Yes","Varies","$50,000+","Retirement income"],["Universal","Entire life","Flexible","Yes","Yes","$50,000+","flexibility in premiums and benefits"],["Variable","Entire life","Flexible","Yes","Yes","$50,000+","High risk tolerance"],["Final expense","Entire life","Fixed","Yes","No","$2,500-$40,000","Funeral costs"]],"rowHeader":true,"columnHeader":true},"data":{"creatorOverwrite":null,"__typename":"chart"},"children":[],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["How to shop for life insurance"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["Life insurance is an important but complex part of financial planning: Not only do you need to find the right provider, but you also have to figure out what kind of policy and coverage you need."]},{"tagName":"p","children":["When trying to choose the right life insurance company, there are several things to consider."]},{"tagName":"h3","children":[{"tagName":"strong","children":["Availability"]}]},{"tagName":"p","children":["Not all insurance companies are licensed in all states or offer all their products in every state they operate in. Before you get too deep into investigating a candidate, make sure it operates in your state."]},{"tagName":"h3","children":[{"tagName":"strong","children":["Policies"]}]},{"tagName":"p","children":["Some insurance companies only offer term life, while others may lack no-exam policies. Once you know if you want term, whole or universal insurance, limit your search to companies that offer that kind of policy. Larger providers tend to have more options"]},{"tagName":"h3","children":[{"tagName":"strong","children":["Coverage limits"]}]},{"tagName":"p","children":["If a prospective insurance company has a minimum coverage limit that's far beyond your requirements, it might not be a good fit. On the other hand, if you're the sole breadwinner for a family with a large mortgage and three kids planning to go to college, will a company's maximum coverage limit be enough for you?"]},{"tagName":"h3","children":[{"tagName":"strong","children":["Cost"]}]},{"tagName":"p","children":["Just like with everything else, ",{"tagName":"a","attributes":{"id":"107304821","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-cheap-life-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["price is an important factor"]}," in life insurance. But low rates don't tell the whole story — a cheaper policy may have a smaller death benefit, fewer options for riders or more restrictive requirements for approval."]},{"tagName":"p","children":["Be sure to get rate quotes from multiple insurance companies for a policy with the same term, death benefit and riders so you can compare apples to apples."]},{"tagName":"h3","children":[{"tagName":"strong","children":["Riders"]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"id":"107333809","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-is-a-life-insurance-rider\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["Riders"]},", also known as endorsements, are how you customize your life insurance policy. They allow you to adjust your coverage amounts, access benefits if you become seriously ill and even convert one kind of policy into another. Some riders are offered free, though, most cost extra."]},{"tagName":"h3","children":[{"tagName":"strong","children":["Customer service"]}]},{"tagName":"p","children":["This could very well be a lifelong relationship, so selecting an insurance company with good customer service will pay off. You can review a company's customer satisfaction ranking on J.D. Power's annual individual life insurance survey and look at complaints filed with the state on the ",{"tagName":"a","attributes":{"href":"https:\u002F\u002Fcontent.naic.org\u002F","section":{},"premium":false,"contentClassification":[]},"children":["National Association of Insurance Commissioners website"]},". The Better Business Bureau also grades insurance companies, with providers with many unresolved complaints receiving poor letter grades."]},{"tagName":"p","children":["You might also want to consider if you can apply, get approved and make policy changes online and whether customer service is available on the weekends."]},{"tagName":"h3","children":[{"tagName":"strong","children":["Financial strength"]}]},{"tagName":"p","children":["The best policy in the world doesn't mean a thing if an insurance company can't pay out the benefit as promised. ",{"tagName":"a","attributes":{"id":"107385597","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-am-best-ratings\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["A.M. Best"]}," is one of the leading credit rating agencies that, among other things, rates insurance companies on their financial strength. ",{"tagName":"br"},{"tagName":"br"},"A high financial strength score, an A or A+, is a good indicator the company will be able to pay out the benefits on your policy when the time comes."]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["How to save on life insurance"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["There are a few strategies to keep your premiums down"]},{"tagName":"h3","children":[{"tagName":"strong","children":["1. Buy it when you're young"]}]},{"tagName":"p","children":["As you get older, life insurance companies see you as a bigger risk and the cost to cover you goes up. Locking in a level-term policy will keep your premiums the same for the length of your policy."]},{"tagName":"h3","children":[{"tagName":"strong","children":["2. Get term life insurance"]}]},{"tagName":"p","children":["While term life is only active for a set period, on average, it ",{"tagName":"a","attributes":{"id":"107286239","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhole-vs-term-life-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["costs one-sixth"]}," of a whole life policy. Pick a term length that protects your family when you need the most coverage — like while your children are still young."]},{"tagName":"h3","children":[{"tagName":"strong","children":["3. Maintain a healthy lifestyle"]}]},{"tagName":"p","children":["We can't control every aspect of our health, but regular exercise, a healthy diet, limited alcohol use and good sleep habits can get you a better rate. And if you smoke, it's time to quit: Tobacco smokers are charged anywhere from 40% to 100% more than non-smokers",{"tagName":"strong","children":[" "]},"for the same policy. (If you take a medical exam, you may be given a nicotine test to verify your tobacco usage.)"]},{"tagName":"h3","children":[{"tagName":"strong","children":["4. Don't skip the medical exam"]}]},{"tagName":"p","children":["If you're young and relatively healthy, ",{"tagName":"a","attributes":{"id":"107204542","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fno-exam-life-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["a policy requiring a medical exam"]}," will have lower premiums and higher coverage amounts than a ",{"tagName":"a","attributes":{"id":"107204542","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fno-exam-life-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["no-exam policy"]},". It's free and can take as little as 30-40 minutes."]},{"tagName":"h3","children":[{"tagName":"strong","children":["5. Comparison shop"]}]},{"tagName":"p","children":["Not every insurance company considers your medical history and risk factors the same. Get quotes from several providers and be sure to ask about discounts."]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Is life insurance worth it?"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["Life insurance can be worth it if you have loved ones who depend on your income to meet the necessities of life and pay major bills, like mortgage payments, insurance and student loans. 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