CINXE.COM

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</script> <title>Best Life Insurance Companies in 2024 | Bankrate</title><meta name="description" content="Top life insurance picks of 2024 - find the best policy to protect your family."><meta name="Category" content="life-insurance"><meta name="SubCategories" content="insurance"><meta name="pageuuid" content="fac2aae2-f899-46ea-b97e-1c5890fa956b"><meta name="ContentSrc" content="sb:181731962"><meta name="PageType" content="rates-results"><link rel="canonical" href="https://www.bankrate.com/insurance/life-insurance/best-life-insurance-companies/"><meta name="robots" content="index, follow"><meta property="og:title" content="Best Life Insurance Companies in 2024 | Bankrate"><meta property="og:description" content="Top life insurance picks of 2024 - find the best policy to protect your family."><meta property="og:url" content="https://www.bankrate.com/insurance/life-insurance/best-life-insurance-companies/"><meta property="og:site_name" content="Bankrate"><meta property="og:image" content="https://a.storyblok.com/f/102997/1280x720/df19999203/best-life-insurance-companies-1280-720.jpeg"><meta name="twitter:card" content="summary"><meta name="twitter:site" content="@bankrate"><meta name="twitter:title" content="Best Life Insurance Companies in 2024 | Bankrate"><meta name="twitter:description" content="Top life insurance picks of 2024 - find the best policy to protect your family."><script type="application/ld+json">{"@context":"https://schema.org","@type":"WebPage"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How does life insurance work?","acceptedAnswer":{"@type":"Answer","text":"When you purchase a life insurance policy, you are making an agreement with an insurance company to make regular payments toward continued coverage with the policy. You will also choose a beneficiary, which could be a person or organization, that the insurance company will pay once you pass away. To access the funds, your beneficiary would have to file a claim with the company, who will then process it before making the payment."}},{"@type":"Question","name":" Do I need life insurance?","acceptedAnswer":{"@type":"Answer","text":"Everyone’s needs are different. Some people may benefit from a life insurance policy while others won’t. If you have anyone relying on your income, you may want to consider a life insurance policy to help ensure your loved ones are taken care of if you pass away and your financial contribution to the household is lost. Additionally, if you have debts, life insurance could help your loved ones pay those off when you’re gone. You can also use a life insurance policy to help pay for your children’s college expenses, leave a financial gift to someone or donate to charity. Working with a licensed life insurance agent or a financial advisor could help you decide if life insurance is right for you."}},{"@type":"Question","name":"Who can I name as my beneficiary?","acceptedAnswer":{"@type":"Answer","text":"Typically, you can nominate virtually anyone or any organization as your life insurance beneficiary, provided there's an insurable interest. This means that the insured’s passing would result in a financial setback for the beneficiary, preventing potential moral hazards. If you’re a parent, it may seem obvious to name your child as your beneficiary, but it’s not advisable if they are a minor. Insurers can’t legally give a payout directly to a minor, which may result in the funds being held up in probate. Instead, consider these options: Trust: Set up a trust and name it as the beneficiary to manage the payout according to your wishes. Guardian: Appoint a legal guardian for the minor who can manage the funds until the child reaches adulthood. Custodian: Designate a custodian under the Uniform Transfers to Minors Act (UTMA) or Uniform Gifts to Minors Act (UGMA) to manage the funds until the child comes of age. Consulting with a financial advisor or estate planning attorney can help ensure your choice aligns with your overall financial strategy and complies with state laws."}},{"@type":"Question","name":"What’s the best age to buy life insurance?","acceptedAnswer":{"@type":"Answer","text":"When you decide to purchase life insurance is largely a personal decision based on your health status, financial needs and if you have any dependents. In general, buying life insurance when you’re younger allows you to get a more competitive rate than buying life insurance when older. Even so, it is possible to find affordable life insurance options at any age that fit your budget. Shopping around with multiple carriers and considering policies from both traditional and newer life insurance companies could result in several suitable options for your life stage and financial needs."}},{"@type":"Question","name":"Can I use my life insurance while still living?","acceptedAnswer":{"@type":"Answer","text":"It depends. If you want to use your life insurance while you’re still alive, you must purchase a policy with living benefits. One living benefit is built into some permanent life insurance policies in the form of a cash value component. If, over time, the cash value of your permanent policy has accrued enough money, you may be able to use it to pay for your life insurance premium or to borrow against it. Depending on the company, living benefits riders may also be available. One popular living benefit is the accelerated death benefit rider, allowing you to access a portion of your death benefit if you are diagnosed with a terminal illness or disability. Another common choice is the long-term care benefits rider, which may be available on permanent policies and allows the policyholder to use some of their death benefits to pay for a nursing home. You may want to speak with a licensed professional if you’d like to purchase a life insurance policy with living benefits. 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Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub" > <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link" > Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="2" data-text="Cost of living calculator" data-outcome="send to link" > Cost of living calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/how-much-is-my-house-worth/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="3" data-text="How much is my house worth?" data-outcome="send to link" > How much is my house worth?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="4" data-text="Real estate resources" data-outcome="send to link" > Real estate resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-buy-a-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - 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@keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" 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class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024" > Best cards of 2024</a> 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data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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'tt-header-background md:mb-10' : ''" data-cy="transactional-template__header"> <div class="wrapper px-6 lg:px-0"> <div class="display-flex flex-direction-column-reverse mb-5 pos-relative md:flex-direction-row md:justify-content-space-between md:align-items-center"> <nav data-cy="breadcrumb" aria-label="Breadcrumb"> <ol class="Breadcrumb mb-0"> <li class="Breadcrumb-itemContainer"> <a class="Breadcrumb-item text-xs" href="https://www.bankrate.com/insurance/"> Insurance</a> </li> <li class="Breadcrumb-itemContainer"> <a class="Breadcrumb-item text-xs" href="https://www.bankrate.com/insurance/life-insurance/"> Life Insurance</a> </li> <li class="Breadcrumb-itemContainer"> <span class="Breadcrumb-item is-active text-xs text-slate" aria-current="page"> Best life insurance companies </span> </li> </ol> </nav> <div id="Preamp" class="display-flex flex-direction-column align-items-end md:align-items-baseline md:flex-direction-row" data-cy="transactional-template__disclosure-section"> <div class="display-flex flex-direction-column md:flex-direction-row align-items-center mb-1 mb-4 md:mb-0"data-cy="disclosure-container"> <p class="mb-0 type-body-three text-slate">Powered by HomeInsurance.com (NPN: 8781838)</p> <div class="display-flex align-items-center mt-2 md:mt-0"> <div class="bg-gray h-3 w-px mx-2 md:mx-4 display-none md:display-block"></div> <div class="pos-relative type-body-three"x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="display-inline-block Link hover:text-blue-mid" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="pos-absolute bg-white bg-auto border border-blue max-w-md z-layer-two p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="type-body-three mb-0"> This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. 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All offers may be subject to additional terms and conditions of the advertiser. </div> </div> </div> <div class="bg-gray h-3 w-px mx-2 md:mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure type-body-three pos-relative" data-cy="insurance-disclosure"> <div class="mb-0 md:display-flex justify-content-center align-items-baseline"> <a href="#" class="ad-disclosure-btn display-inline-block Link hover:text-blue-mid" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="pos-absolute bg-white bg-auto border border-blue max-w-md z-layer-two p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="type-body-three mb-0"> This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> <h1 class="type-heading-one mb-5">Best life insurance companies in 2024</h1> <div class="wysiwyg display-inline"> <p class="md:text-2xl mb-5">Bankrate’s in-depth analysis identified MassMutual, Northwestern Mutual and State Farm as some of the best life insurance companies.</p></div> <div class="display-flex justify-content-space-between flex-direction-column sm:flex-direction-row mb-10"> <div data-cy="byline" x-data="{expanded: false}" class="Byline display-flex flex-wrap gap-y-4 flex-direction-column sm:flex-direction-row sm:align-items-center"> <div class="Byline-user display-flex align-items-center"> <img srcset="https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, 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src="https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/ashlyn-brooks/" class="Link Link--standalone text-black"> Ashlyn Brooks</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Writer II, Insurance</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 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2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Insurance </li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Financial Markets</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.</div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" 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1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Life insurance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto insurance</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 10 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Natasha Cornelius, CLU, is an insurance editor for Bankrate, specializing in auto, home and life insurance.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/natasha-cornelius/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/natashacornelius/" target="_blank" rel="nofollow" aria-label="Connect with Natasha Cornelius, CLU on LinkedIn" data-beam-element-clicked id="author_bio_natasha_cornelius_clu_linkedin_icon" data-type="icon" data-location="author_bio_natasha_cornelius_clu" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 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data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/natasha-cornelius/" class="text-link text-black plain font-circular-bold ">Natasha Cornelius, CLU</a> </div> </span> </div> <div class="Byline-user md:mr-4 md:ml-3"> <img srcset="https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('NR4Sd7')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-NR4Sd7" aria-controls="tooltip-content-NR4Sd7" x-bind="trigger"> Tony Steuer</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-NR4Sd7" aria-hidden="true" aria-labelledby="tooltip-trigger-NR4Sd7" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/tony-steuer/" class="Link Link--standalone text-black"> Tony Steuer</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Expert Reviewer, CLU, LA, CPFFE</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 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1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Life insurance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Insurance coverage</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Tony Steuer, CLU, LA, CPFFE is an internationally recognized financial preparedness advocate, podcaster, and award-winning author. Tony developed the Get Ready Movement to empower and educate people on all areas of personal finance.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/tony-steuer/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://linkedin.com/in/tonysteuer" target="_blank" rel="nofollow" aria-label="Connect with Tony Steuer on LinkedIn" data-beam-element-clicked id="author_bio_tony_steuer_linkedin_icon" data-type="icon" data-location="author_bio_tony_steuer" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable 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class="quick-fact display-flex flex-direction-row align-items-center md:align-items-flex-start gap-5"> <span class="Card-icon "> </span> <div> <div class="leading-7 font-circular-bold text-left text-base text-black pb-2">Key takeaways</div> <p>Life insurance should fit your needs, whether you need top-notch customer service, short-term coverage or high limits. Here are Bankrate's picks for the best life insurance companies based on various financial and consumer needs.</p> <ul> <li><a class="Link" href="#guardian">Guardian: Best for life insurance coverage without a medical exam</a></li> <li><a class="Link" href="#massmutual">MassMutual: Best for whole life insurance</a></li> <li><a class="Link" href="#mutual-of-omaha">Mutual of Omaha: Best for digital accessibility</a></li> <li><a class="Link" href="#nationwide">Nationwide: Best for customer satisfaction</a></li> <li><a class="Link" href="#northwestern-mutual">Northwestern Mutual: Best for universal life insurance</a></li> <li><a class="Link" href="#prudential">Prudential: Best for policy personalization</a></li> <li><a class="Link" href="#state-farm">State Farm: Best for term life insurance</a></li> </ul></div> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <p>Life insurance is more than just a policy — it’s a way to protect the people who matter most. With so many companies and policies out there, it can be tough to know where to start. That’s why we’re here to make it easier.</p> <p>At Bankrate, we’ve done the research to find the top life insurance providers for 2024. We’ve evaluated each company based on what matters most: customer experience, financial stability and a range of flexible coverage options. Whether you’re looking for affordable term life or a lifelong policy with added benefits, we’re here to help you find the best fit, so you can secure your loved ones' future with confidence.</p> <h2>Top life insurance companies</h2></div> <div x-data="table({ containerId: 'e637e2fe-26e4-43e7-ab7e-32162a067c49', tableId: 'table-e637e2fe-26e4-43e7-ab7e-32162a067c49', buttonId: 'button-e637e2fe-26e4-43e7-ab7e-32162a067c49', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="e637e2fe-26e4-43e7-ab7e-32162a067c49" class="table-container" tabindex="0"> <table id="table-e637e2fe-26e4-43e7-ab7e-32162a067c49" class="Table table-content "> <thead> <tr> <th class="text-left"> Company</th> <th class="text-right"> Best for</th> <th class="text-right"> J.D. Power Score in 2023 U.S. Individual Life Insurance Study</th> <th class="text-right"> AM Best Financial Strength Rating</th> </tr> </thead> <tbody> <tr id="685bef94-d18a-49e4-bde2-620fa967f50d" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/reviews/guardian/" target="_blank">Guardian</a></td> <td data-col="2" class="text-right"> Life insurance coverage without a medical exam</td> <td data-col="3" class="text-right"> 784/1,000</td> <td data-col="4" class="text-right"> A++ (Superior)</td> </tr> <tr id="9cd77615-6fc5-45ce-8240-c9fb4d741a7b" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/reviews/mass-mutual/" target="_blank">Mass Mutual</a></td> <td data-col="2" class="text-right"> Whole life insurance</td> <td data-col="3" class="text-right"> 809/1,000</td> <td data-col="4" class="text-right"> A++ (Superior)</td> </tr> <tr id="81892677-01c2-41ab-a671-9bc512e60c87" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/reviews/mutual-of-omaha/" target="_blank">Mutual of Omaha</a></td> <td data-col="2" class="text-right"> Digital accessibility</td> <td data-col="3" class="text-right"> 805/1,000</td> <td data-col="4" class="text-right"> A+ (Superior)</td> </tr> <tr id="5bab295c-8651-4a4b-8e4d-f8c29a630d51" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/reviews/nationwide/" target="_blank">Nationwide</a></td> <td data-col="2" class="text-right"> Customer satisfaction</td> <td data-col="3" class="text-right"> 840/1,000</td> <td data-col="4" class="text-right"> A (Excellent)</td> </tr> <tr id="4896426f-306c-4139-983e-075e28a1b1b2" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/reviews/northwestern-mutual/" target="_blank">Northwestern Mutual</a></td> <td data-col="2" class="text-right"> Universal life insurance</td> <td data-col="3" class="text-right"> 790/1,000</td> <td data-col="4" class="text-right"> A++ (Superior)</td> </tr> <tr id="4463da30-ea6f-48d3-9225-0d68aee795e2" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/reviews/prudential/" target="_blank">Prudential</a></td> <td data-col="2" class="text-right"> Policy personalization</td> <td data-col="3" class="text-right"> 779/1,000</td> <td data-col="4" class="text-right"> A+ (Superior)</td> </tr> <tr id="89e24fd7-8af6-4d22-88a2-e97a338cd57e" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/insurance/reviews/state-farm/" target="_blank">State Farm</a></td> <td data-col="2" class="text-right"> Term life insurance</td> <td data-col="3" class="text-right"> 843/1,000</td> <td data-col="4" class="text-right"> A++ (Superior)</td> </tr> </tbody> </table> <table id="header-fixed-e637e2fe-26e4-43e7-ab7e-32162a067c49" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> <div class="vertical-spacer pt-12" style="width: 100%; content: '';"></div> <div class="rate-table-life px-4 py-8 md:pb-6 md:px-8 box-shadow-4 w-full rounded-lg pos-relative" x-data="rateTableLifeInsurance" data-cy="life-widget" data-tagular-enabled data-tagular-element-type="FORM" data-tagular-location="SECTION" data-tagular-position="RATE TABLE" data-tagular-text="Compare life insurance providers quickly and easily" data-tagular-action-outcome="" style="z-index:2;"> <div class="text-center"> <p class="text-xl md:text-2xl type-heading-three mb-0 md:mb-2 leading-9">Compare life insurance providers quickly and easily</p> <p class="text-slate mb-0 leading-9">See which provider is right for you.</p> </div> <div class="input-container display-flex flex-direction-column md:flex-direction-row w-full mt-4 md:align-items-end"> <div class="mb-4 md:mb-0 md:mr-4 md:w-1/4"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{'is-error': ageDropdown.hasError }"> <label x-bind:for="$id('input')" class="FormLabel"> Age</label> <div x-data="{ open: false, toggle() { if (this.open) { return this.close() } this.open = true }, close(focusAfter) { if (!this.open) return this.open = false focusAfter && focusAfter.focus() } }" x-on:keydown.escape.prevent.stop="close($refs.button)" x-on:focusin.window="! $refs.panel.contains($event.target) && close()" x-id="['dropdown-button']"> <button class="FormSelect pr-10 md:alpine-select-text-ellipsis" data-cy="form-select" title="button" x-on:click="toggle()" x-text="ageDropdown.value" x-ref="button"></button> <span class="FormSelect-arrow Icon Icon--xs"> <svg x-cloak x-show="!open" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><svg x-cloak x-show="open" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> <ul class="FormSelect-listContainer z-layer-two is-active h-auto" x-ref="panel" x-show="open" x-transition:enter.origin.top.left x-transition:leave.origin.bottom.left x-on:click.outside="close($refs.button)" :id="$id('dropdown-button')" x-cloak> <template x-for="(option, index) in ageDropdown.options" :key="index"> <li class="FormSelect-listItem" x-on:click="dropdownChange(ageDropdown, index); close()" x-bind:class="{ 'is-selected' : ageDropdown.value === ageDropdown.options[index] }" x-text="option" data-cy="FormSelect-listItem"> </li> </template> </ul> </div></div> <span class="FormElementHelp is-error text-size-xs mt-1" x-cloak="x-cloak" x-show="ageDropdown.hasError"> Please select age</span> </div> <div class="mb-4 md:mb-0 md:mr-4 md:-mt-1 md:w-1/4"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{'is-error': coverageDropdown.hasError }"> <div class="clearfix display-flex align-items-baseline"> <label x-bind:for="$id('input')" class="FormLabel float-left"> Coverage amount</label> <div id="t7ab5b9ea-1828-4bdd-a20c-3c6dec247b5a" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <div>The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.</div></div> </div> <div class="display-inline-block ml-1 cursor-pointer ml-2 float-left"> <div x-data data-tippy-maxWidth="none" data-template="t7ab5b9ea-1828-4bdd-a20c-3c6dec247b5a" role="tooltip" tabIndex="0" id="coverage-tooltip"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> <div x-data="{ open: false, toggle() { if (this.open) { return this.close() } this.open = true }, close(focusAfter) { if (!this.open) return this.open = false focusAfter && focusAfter.focus() } }" x-on:keydown.escape.prevent.stop="close($refs.button)" x-on:focusin.window="! $refs.panel.contains($event.target) && close()" x-id="['dropdown-button']"> <button class="FormSelect pr-10 md:alpine-select-text-ellipsis" data-cy="form-select" title="button" x-on:click="toggle()" x-text="'$' + coverageDropdown.value" x-ref="button"></button> <span class="FormSelect-arrow Icon Icon--xs"> <svg x-cloak x-show="!open" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><svg x-cloak x-show="open" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> <ul class="FormSelect-listContainer z-layer-two is-active h-auto" x-ref="panel" x-show="open" x-transition:enter.origin.top.left x-transition:leave.origin.bottom.left x-on:click.outside="close($refs.button)" :id="$id('dropdown-button')" x-cloak> <template x-for="(option, index) in coverageDropdown.options" :key="index"> <li class="FormSelect-listItem" x-on:click="dropdownChange(coverageDropdown, index); close()" x-bind:class="{ 'is-selected' : '$' + coverageDropdown.value === coverageDropdown.options[index] }" x-text="option" data-cy="FormSelect-listItem"> </li> </template> </ul> </div></div> <span class="FormElementHelp is-error text-size-xs mt-1" x-cloak="x-cloak" x-show="coverageDropdown.hasError"> Please select Coverage amount</span> </div> <div class="mb-4 md:mb-0 md:mr-4 md:-mt-1 md:w-1/4"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{'is-error': policyDropdown.hasError }"> <div class="clearfix display-flex align-items-baseline"> <label x-bind:for="$id('input')" class="FormLabel float-left"> Policy type</label> <div id="t40e6bfea-bea7-4bb4-800b-5b061e1d7a94" class="display-none"> <div class="w-64" style="max-width: calc(100vw - 4rem)"> <div> <p class="+type-body-two text-sm mb-2"><strong>Whole life insurance</strong> combines life insurance with an investment component.</p> <ul class="+type-body-four mb-2"> <li>Coverage for life</li> <li>Tax-deferred savings benefit if premiums are paid</li> <li>3 variations of permanent insurance: whole life, universal life and variable life include investment component</li> </ul> <p class="+type-body-two text-sm mb-2"><strong>Term life insurance</strong> is precisely what the name implies: an insurance policy that is good for a specific term of time.</p> <ul class="+type-body-four"> <li>Fixed premium over term</li> <li>No savings benefits</li> <li>Outliving policy or policy cancellation results in no money back</li> </ul> </div></div> </div> <div class="display-inline-block ml-1 cursor-pointer ml-2 float-left"> <div x-data data-tippy-maxWidth="none" data-template="t40e6bfea-bea7-4bb4-800b-5b061e1d7a94" role="tooltip" tabIndex="0" id="policy-tooltip" data-tippy-placement="top-start"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> <div x-data="{ open: false, toggle() { if (this.open) { return this.close() } this.open = true }, close(focusAfter) { if (!this.open) return this.open = false focusAfter && focusAfter.focus() } }" x-on:keydown.escape.prevent.stop="close($refs.button)" x-on:focusin.window="! $refs.panel.contains($event.target) && close()" x-id="['dropdown-button']"> <button class="FormSelect pr-10 md:alpine-select-text-ellipsis" data-cy="form-select" title="button" x-on:click="toggle()" x-text="policyDropdown.value" x-ref="button"></button> <span class="FormSelect-arrow Icon Icon--xs"> <svg x-cloak x-show="!open" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg><svg x-cloak x-show="open" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> <ul class="FormSelect-listContainer z-layer-two is-active h-auto" x-ref="panel" x-show="open" x-transition:enter.origin.top.left x-transition:leave.origin.bottom.left x-on:click.outside="close($refs.button)" :id="$id('dropdown-button')" x-cloak> <template x-for="(option, index) in policyDropdown.options" :key="index"> <li class="FormSelect-listItem" x-on:click="dropdownChange(policyDropdown, index); close()" x-bind:class="{ 'is-selected' : policyDropdown.value === policyDropdown.options[index] }" x-text="option" data-cy="FormSelect-listItem"> </li> </template> </ul> </div></div> <span class="FormElementHelp is-error text-size-xs mt-1" x-cloak="x-cloak" x-show="policyDropdown.hasError"> Please select Policy type</span> </div> <div class="zip-input mb-0 md:w-1/4"> <div x-data x-id="['input']" class="FormControl" x-bind:class="{'is-error': zipInput.hasError }"> <label x-bind:for="$id('input')" class="FormLabel"> ZIP Code</label> <input x-bind:id="$id('input')" class="FormInput" name="zip_code_input" maxlength="5" x-model="zipInput.value" x-on:keypress="onlyNumbers" x-on:blur="inputChange(zipInput)"> <span class="pos-absolute right-1 text-slate bottom-4 pointer-events-none pr-4 leading-none h-4"> <span class="icon icon-size"> <svg class="h-4" width="16" height="20" viewBox="0 0 16 20" xmlns="http://www.w3.org/2000/svg"> <title>Location-Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M8 20C2.66667 15.3333 0 11.3333 0 8C0 3 3.58172 0 8 0C12.4183 0 16 3 16 8C16 11.3333 13.3333 15.3333 8 20ZM2 8C2 10.3626 3.95475 13.5154 8 17.3039C12.0453 13.5154 14 10.3626 14 8C14 4.32919 11.5476 2 8 2C4.45236 2 2 4.32919 2 8ZM8 11C6.34315 11 5 9.65685 5 8C5 6.34315 6.34315 5 8 5C9.65685 5 11 6.34315 11 8C11 9.65685 9.65685 11 8 11Z" fill="#151515"/> </svg> </span> </span></div> <span class="FormElementHelp mt-1 text-center text-size-xs mt-2 -mb-5 md:mb-0" x-show="!zipInput.hasError"> Your information is secure</span> <span class="FormElementHelp is-error text-size-xs mt-1" x-cloak="x-cloak" x-show="zipInput.hasError" x-text="zipInput.errorMessage"> </span> </div> </div> <div class="mt-8 md:mt-2 text-center"> <button @click="submitForm" data-cy="life-widget-submit" type="submit" class="Button Button--primary w-full md:w-60"> Find matches</button> </div> <div class="display-flex flex-direction-column md:flex-direction-row align-items-center mb-1 justify-content-center w-full mt-6 md:mt-4"data-cy="disclosure-container"> <p class="mb-0 type-body-three text-slate">Powered by Coverage.com (NPN: 19966249)</p> <div class="display-flex align-items-center mt-2 md:mt-0"> <div class="bg-gray h-3 w-px mx-2 md:mx-4 display-none md:display-block"></div> <div class="pos-relative type-body-three"x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="display-inline-block Link hover:text-blue-mid" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="pos-absolute bg-white bg-auto border border-blue max-w-md z-layer-two p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="type-body-three mb-0"> This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. 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It's a fresh twist on life insurance: easy, accessible and affordable.</div> </div> </div> <div class="display-flex flex-direction-row"> <div x-cloak x-show="showMoreText()" class="flex-none pr-2 -mt-4"> See <span x-text="ads.length - adsFiltered.length"></span> more providers in <span class="text-blue" x-text="zipInput.value"></span> </div> <div x-cloak x-show="!showMoreText()" class="flex-none pr-2 -mt-4"> Choose from <span x-text="adsFiltered.length"></span> insurers in <span class="text-blue" x-text="zipInput.value"></span> </div> <div class="border-t w-full"></div> </div> <div class="insurer-list" data-cy="carrier-list"> <template x-for="(ad, index) in adsFiltered" :key="ad.carrier"> <div class="insurer display-flex flex-direction-row justify-content-space-between flex-wrap py-4 border-b border-gray align-items-center" x-intersect="trackProductViewed(ad, index)" data-cy="life-widget-ads"> <div class="w-full text-center md:text-left md:w-3/12"> <img :src="ad.small_image_url" alt=""> </div> <div class="w-full text-center type-heading-four my-5 md:w-6/12 md:pl-2 md:pr-4 md:pb-0 md:text-left md:my-0" x-text="ad.headline"></div> <div class="w-full md:w-3/12 text-center md:text-right"> <span @click="trackProductClicked(ad, index)"> <a :href="ad.click_url" target="_blank" rel="noopener" x-show="!ad.phone" class="Button Button--primary w-full"> <span>View rate</span> <svg class="Icon Icon--sm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> <a :href="`tel:${ad.phone}`" x-show="ad.phone" class="Button Button--primary w-full md:px-0"> <span x-data="formatPhone" x-text="formatPhoneNum(ad.phone ?? '')"></span> </a> </span> </div> </div> </template> </div> <div class="text-center p-4"> <button class="Button Button--secondary" x-show="adsFiltered.length !== ads.length" @click="showMore()"> Show More </button> </div> </div> </div> <script> window.blok = window.blok ? window.blok : {}; window.blok.zipLabel = 'ZIP code'; window.blok.ageLabel = 'Age'; window.blok.ageOptions = JSON.parse('[\u002222-24\u0022,\u002225-34\u0022,\u002235-44\u0022,\u002245-54\u0022,\u002255-59\u0022,\u002260+\u0022]'); window.blok.coverageLabel = 'Coverage amount'; window.blok.coverageOptions = JSON.parse('[\u00220-75,000\u0022,\u002275,000-125,000\u0022,\u0022125,000-250,000\u0022,\u0022250,000-500,000\u0022,\u0022500,000-1,000,000\u0022,\u00221,000,000+\u0022]'); window.blok.policyLabel = 'Policy type'; window.blok.policyOptions = JSON.parse('[\u0022Term 5 Years\u0022,\u0022Term 10 Years\u0022,\u0022Term 20 Years\u0022,\u0022Term 30 Years\u0022,\u0022Whole Life\u0022,\u0022Final Expense\u0022,\u0022Not Sure\u0022]'); window.blok.zipcode = '0'; window.blok.insurersDefaultLimit = '3'; window.blok.featuredPlacementRule = '6d04b686-3602-4d6d-96ce-e70def70052d'; </script> <style> #coverage-tooltip .Icon, #policy-tooltip .Icon { margin-top: 0!important; } .FormSelect, .FormInput { border-color: #868A9A; } @media (min-width: 62.4em) and (max-width: 70.125em) { .zip-input { margin-bottom: -2.625rem!important; } .input-container { margin-bottom: 3.125rem; } } @media (min-width: 70.15em) { .zip-input { margin-bottom: -1.313rem!important; } .input-container { margin-bottom: 2.5rem; } } </style> <div class="vertical-spacer pt-12" style="width: 100%; content: '';"></div> </div> <div id="how-bankrate-picked-the-best-life-insurance-companies" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How Bankrate picked the best life insurance companies for 2024</h2> <p>To find the best life insurance companies, Bankrate’s editorial team started by researching the <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/largest-life-insurance-companies/">largest life insurance carriers</a> on the market. We analyzed life insurance company ratings,  including customer satisfaction scores and financial strength ratings from trusted, unbiased sources, including <a class="Link" href="https://www.bankrate.com/insurance/jd-power/">J.D. Power</a> and <a class="Link" href="https://www.bankrate.com/insurance/am-best/">AM Best</a>. We also assessed ratings based on market share from the National Association of Insurance Commissioners (NAIC).</p></div> <div class="expertise-card-group expertise-container display-flex flex-wrap justify-content-space-around w-full"> <div class="expertise display-grid grid-rows-3 sm:h-44 sm:max-w-2xl box-sizing-border-box rounded-lg box-shadow-4 my-3 w-40 h-24"> <div class="display-flex flex-wrap justify-content-center"> <div class="expertise__banner w-40 h-6 bg-blue rounded-t-lg"></div> <div class="Icon expertise__icon sm:w-12 sm:h-12 bg-white pos-absolute sm:mt-2 mt-1 p-2 rounded-t-full"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Clock Wait Icon</title><path d="M13.4 23.9c-5.792 0-10.5-4.709-10.5-10.5S7.609 2.9 13.4 2.9s10.5 4.709 10.5 10.5-4.709 10.5-10.5 10.5Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 22.5C6.209 22.5 1.5 17.791 1.5 12S6.209 1.5 12 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grid-rows-3 sm:h-44 sm:max-w-2xl box-sizing-border-box rounded-lg box-shadow-4 my-3 w-40 h-24"> <div class="display-flex flex-wrap justify-content-center"> <div class="expertise__banner w-40 h-6 bg-blue rounded-t-lg"></div> <div class="Icon expertise__icon sm:w-12 sm:h-12 bg-white pos-absolute sm:mt-2 mt-1 p-2 rounded-t-full"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Search Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M10.312 1.5C5.702 1.5 2 5.28 2 10c0 4.72 3.703 8.5 8.312 8.5a8.18 8.18 0 0 0 4.648-1.44l4.947 5.11c.428.44 1.125.44 1.553 0l.219-.22c.428-.38.428-1.1 0-1.54l-4.917-5.03A8.611 8.611 0 0 0 18.623 10c0-4.72-3.753-8.5-8.311-8.5Zm0 2.19c3.374 0 6.161 2.85 6.161 6.31 0 3.46-2.787 6.31-6.161 6.31-3.375 0-6.162-2.85-6.162-6.31 0-3.46 2.737-6.31 6.162-6.31Z" class="icon-base"/></svg></div> </div> <div class="expertise__mid-content display-flex sm:text-5xl text-3xl justify-content-center align-content-center sm:pt-3 pt-1"> 53</div> <div class="expertise__bottom-content font-circular-book sm:text-base text-xs leading-4 text-center sm:pt-4 pt-1 sm:px-2"> carriers reviewed</div> </div> <div class="expertise display-grid grid-rows-3 sm:h-44 sm:max-w-2xl box-sizing-border-box rounded-lg box-shadow-4 my-3 w-40 h-24"> <div class="display-flex flex-wrap justify-content-center"> <div class="expertise__banner w-40 h-6 bg-blue rounded-t-lg"></div> <div class="Icon expertise__icon sm:w-12 sm:h-12 bg-white pos-absolute sm:mt-2 mt-1 p-2 rounded-t-full"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Add Card Icon</title><path d="M5.775 6.53C4.797 6.53 4 7.327 4 8.305v11.39c0 .978.797 1.775 1.775 1.775h16.45c.978 0 1.775-.797 1.775-1.775V8.305c0-.978-.797-1.775-1.775-1.775H5.775Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.586 19.683h-7.24c-1.567 0-2.846-1.148-2.846-2.558V6.727c0-1.41 1.271-2.558 2.845-2.558h15.31c1.566 0 2.845 1.148 2.845 2.558v5.068c0 .36-.295.656-.656.656a.658.658 0 0 1-.656-.656V9.573H2.812v7.552c0 .689.689 1.246 1.533 1.246h7.24c.362 0 .657.295.657.656 0 .361-.295.656-.656.656ZM2.812 8.261h18.376V6.727c0-.688-.689-1.246-1.533-1.246H4.345c-.844 0-1.533.558-1.533 1.246v1.534Zm14.642 11.025c0 .3.245.545.545.545.3 0 .545-.245.545-.545v-2.18h2.18c.3 0 .546-.246.546-.546 0-.3-.245-.545-.545-.545h-2.18v-2.182a.547.547 0 0 0-1.09 0v2.182H15.27c-.3 0-.545.245-.545.545 0 .3.245.545.545.545h2.182v2.181Z" class="icon-base"/></svg></div> </div> <div class="expertise__mid-content display-flex sm:text-5xl text-3xl justify-content-center align-content-center sm:pt-3 pt-1"> 15+</div> <div class="expertise__bottom-content font-circular-book sm:text-base text-xs leading-4 text-center sm:pt-4 pt-1 sm:px-2"> product types analyzed</div> </div> <div class="expertise display-grid grid-rows-3 sm:h-44 sm:max-w-2xl box-sizing-border-box rounded-lg box-shadow-4 my-3 w-40 h-24"> <div class="display-flex flex-wrap justify-content-center"> <div class="expertise__banner w-40 h-6 bg-blue rounded-t-lg"></div> <div class="Icon expertise__icon sm:w-12 sm:h-12 bg-white pos-absolute sm:mt-2 mt-1 p-2 rounded-t-full"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Location Icon</title><path d="M19.096 22.708c-.936 0-4.196-2.72-4.196-5.612a4.205 4.205 0 0 1 4.196-4.204 4.207 4.207 0 0 1 4.204 4.204c0 2.892-3.26 5.612-4.204 5.612Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M3.296 21.905c-.34 0-.687-.098-.977-.287a1.78 1.78 0 0 1-.819-1.501V6.396c0-1.084.645-2.06 1.638-2.503l4.253-1.871a2.332 2.332 0 0 1 1.73-.058l6.213 2.24c.24.09.505.074.737-.024l3.889-1.715a1.816 1.816 0 0 1 1.713.131c.513.328.827.894.827 1.502v5.03a.661.661 0 0 1-1.324 0v-5.03a.484.484 0 0 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pt-1"> 50</div> <div class="expertise__bottom-content font-circular-book sm:text-base text-xs leading-4 text-center sm:pt-4 pt-1 sm:px-2"> states examined</div> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <ul class="Accordion w-full" data-cy="accordion-2755d18e-fa86-43f2-8a06-eefd84a9e125"> <li x-id="['panel-methodology', 'heading-methodology']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-methodology')" :aria-controls="$id('panel-methodology')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" methodology " data-position="1" data-text=" Methodology " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Methodology</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-methodology')" :labelledBy="$id('heading-methodology')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Choosing the best life insurance policy is not a decision to take lightly. The insurance company’s history, as well as its reputation for customer service, financial stability and death benefit payouts are just a few of the things that can impact both your experience and policy value. We assessed <a class="Link" href="https://content.naic.org/sites/default/files/research-actuarial-life-fraternal-market-share.pdf" target="_blank" rel="noopener">NAIC ratings</a> based on market share, financial stability ratings from sources like AM Best and customer satisfaction scores from J.D. Power. We also examined the number of endorsements and riders available, general accessibility, coverage capacity and whether medical exams were required as part of the underwriting process in order to make our picks.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-methodology')" :labelledBy="$id('heading-methodology')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Choosing the best life insurance policy is not a decision to take lightly. The insurance company’s history, as well as its reputation for customer service, financial stability and death benefit payouts are just a few of the things that can impact both your experience and policy value. We assessed <a class="Link" href="https://content.naic.org/sites/default/files/research-actuarial-life-fraternal-market-share.pdf" target="_blank" rel="noopener">NAIC ratings</a> based on market share, financial stability ratings from sources like AM Best and customer satisfaction scores from J.D. Power. We also examined the number of endorsements and riders available, general accessibility, coverage capacity and whether medical exams were required as part of the underwriting process in order to make our picks.</p></div> </div> </div> </noscript> </li> </ul> </div> <div id="compare-the-best-life-insurance-companies" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Compare the best life insurance companies</h2> <p>Shopping for life insurance can be intimidating, but Bankrate is here to make the process easier. When studying the largest life insurance carriers, there are some metrics that you can rely on to help effectively compare your options. Does one company offer a wide range of life insurance policy types, as well as riders to personalize your policy, compared to another? What does the qualification process look like, and what might your estimated <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/what-is-a-life-insurance-premium/" data-mil="349038">life insurance premium</a> be?</p> <p>From there, you can also compare companies’ financial strength ratings and customer service scores from trusted third-party agencies, such as AM Best and <a class="Link" href="https://www.jdpower.com/business/press-releases/2023-us-individual-life-insurance-annuity-studies" target="_blank" rel="noopener">J.D. Power</a>, for an unbiased view of which providers may excel in these areas and give you the best experience.</p></div> <div class="wysiwyg display-block w-full"> <h3 id="guardian">Guardian</h3></div> <div x-data="{ showMore: false, showProsCons: false }" class="carrier-card-lite sm:display-grid box-shadow-1 rounded-xl p-4 sm:p-8" data-beam-element-viewed id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Guardian" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > <div class="carrier-card-lite__header-container sm:mb-6 display-flex flex-direction-column sm:flex-direction-row align-items-center"> <div class="mb-4 sm:mb-0 sm:mr-8 align-self-center sm:align-self-auto"> <img src="https://www.bankrate.com/f/102997/x/3c5df96894/guardian.svg?optimize=medium&width=160&format=pjpg&auto=webp" width="160" height="76" style="min-width:160px;" loading="lazy" alt="Guardian"> </div> <div class="carrier-card-lite__cta-container mt-4 sm:mt-0 display-flex flex-direction-column align-items-center sm:align-items-end w-full"> <a href="https://www.bankrate.com/insurance/reviews/guardian/" class="Button Button--primary w-full sm:w-72 mb-4 sm:mb-0" data-beam-element-clicked-no-delay id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Guardian" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > Guardian review</a> </div> </div> <div class="mb-4 text-center sm:text-left"> <p class="mb-0 text-lg font-bold font-circular-bold"> Life insurance coverage without a medical exam</p> </div> <div class="border-t sm:border-t-0 border-gray-200 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full" @click="showMore = !showMore" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Guardian" data-text="Overview" > Overview <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showMore ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__details-container text-slate mt-3 sm:mt-0 sm:display-block px-3 sm:px-0" :class="[showMore ? 'display-block' : 'display-none']"> <div class="wysiwyg display-block w-full"> <p>The Guardian Life Insurance Company of America ranks well in customer satisfaction and financial strength and offers many life insurance riders to customize your policy. According to the <a class="Link" href="https://www.bankrate.com/insurance/naic/">NAIC</a>, the company also has <a class="Link" href="https://www.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=64246&REALM=PROD" target="_blank" rel="noopener">fewer than baseline policyholder complaints</a> and offers multiple no-medical exam policy options.</p> <p>Guardian provides easy policy management through its network of more than 3,000 financial representatives across the nation and online account management. Guardian carries an A++ (Superior) financial strength rating from A.M. Best and offers multiple coverage options depending on your life stage, goals, needs and budget.</p></div> </div> <div class="border-t border-gray-200 sm:border-t-0 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full border-t border-gray-200" style="transition-property: all; transition-duration: 0.3s;" @click="showProsCons = !showProsCons" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Guardian" data-text="Pros and cons" > Pros and cons <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showProsCons ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__pros-cons sm:display-grid grid-cols-1 sm:grid-cols-2 gap-x-6 mt-3 sm:mt-6 px-3 sm:px-0" :class="[showProsCons ? 'display-block' : 'display-none']"> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-green w-7 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg>Pros </p> <div class="wysiwyg display-block w-full"> <ul> <li>Dividends available on some whole life policies</li> <li>Easy online management</li> <li>Policies available for HIV-positive applicants</li> <li>Multiple no-medical exam policy options</li> </ul></div> </div> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-red w-5 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg>Cons </p> <div class="wysiwyg display-block w-full"> <ul> <li>Must purchase coverage through an agent</li> <li>Rider details limited online</li> </ul></div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3 id="massmutual">MassMutual</h3></div> <div x-data="{ showMore: false, showProsCons: false }" class="carrier-card-lite sm:display-grid box-shadow-1 rounded-xl p-4 sm:p-8" data-beam-element-viewed id="" data-type="CTA" data-location="Carrier Card Lite" data-name="MassMutual" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > <div class="carrier-card-lite__header-container sm:mb-6 display-flex flex-direction-column sm:flex-direction-row align-items-center"> <div class="mb-4 sm:mb-0 sm:mr-8 align-self-center sm:align-self-auto"> <img src="https://www.bankrate.com/f/102997/200x95/2ecf27451b/massmutual.png?optimize=medium&width=160&format=pjpg&auto=webp" width="160" height="76" style="min-width:160px;" loading="lazy" alt="MassMutual"> </div> <div class="carrier-card-lite__cta-container mt-4 sm:mt-0 display-flex flex-direction-column align-items-center sm:align-items-end w-full"> <a href="https://www.bankrate.com/insurance/reviews/mass-mutual/" class="Button Button--primary w-full sm:w-72 mb-4 sm:mb-0" data-beam-element-clicked-no-delay id="" data-type="CTA" data-location="Carrier Card Lite" data-name="MassMutual" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > MassMutual review</a> </div> </div> <div class="mb-4 text-center sm:text-left"> <p class="mb-0 text-lg font-bold font-circular-bold">Whole life insurance</p> </div> <div class="border-t sm:border-t-0 border-gray-200 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full" @click="showMore = !showMore" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="MassMutual" data-text="Overview" > Overview <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showMore ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__details-container text-slate mt-3 sm:mt-0 sm:display-block px-3 sm:px-0" :class="[showMore ? 'display-block' : 'display-none']"> <div class="wysiwyg display-block w-full"> <p>MassMutual won Bankrate’s 2024 Award for <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/best-whole-life-insurance/">best whole life insurance</a> thanks to its A++ (Superior) financial strength rating from AM Best and for offering 13 rider options with its whole life policy, the most of any company we analyzed. This is the third year in a row MassMutual has secured this honor.</p> <p>MassMutual, also known as Massachusetts Mutual Life Insurance Co., is a U.S. life insurance company owned by its policyholders, allowing select policyholders to earn dividends when the company does well. MassMutual offers an online application process for term life policies. Coverage takes effect immediately upon application approval, and applicants must usually complete medical exams for all term, whole and universal life policies.</p></div> </div> <div class="border-t border-gray-200 sm:border-t-0 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full border-t border-gray-200" style="transition-property: all; transition-duration: 0.3s;" @click="showProsCons = !showProsCons" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="MassMutual" data-text="Pros and cons" > Pros and cons <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showProsCons ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__pros-cons sm:display-grid grid-cols-1 sm:grid-cols-2 gap-x-6 mt-3 sm:mt-6 px-3 sm:px-0" :class="[showProsCons ? 'display-block' : 'display-none']"> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-green w-7 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg>Pros </p> <div class="wysiwyg display-block w-full"> <ul> <li>Free coverage for qualifying low-income families</li> <li>Convenient mobile app</li> <li>Numerous riders</li> <li>Superior financial strength</li> <li>High coverage capacity (the maximum dollar amount of a policy’s death benefit)</li> </ul></div> </div> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-red w-5 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg>Cons </p> <div class="wysiwyg display-block w-full"> <ul> <li>Limited online quotes</li> <li>Medical exams may be required for term, whole and universal life policies</li> <li>No final expense policies</li> </ul></div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3 id="mutual-of-omaha">Mutual of Omaha</h3></div> <div x-data="{ showMore: false, showProsCons: false }" class="carrier-card-lite sm:display-grid box-shadow-1 rounded-xl p-4 sm:p-8" data-beam-element-viewed id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Mutual of Omaha" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > <div class="carrier-card-lite__header-container sm:mb-6 display-flex flex-direction-column sm:flex-direction-row align-items-center"> <div class="mb-4 sm:mb-0 sm:mr-8 align-self-center sm:align-self-auto"> <img src="https://www.bankrate.com/f/102997/x/8e7a33d9a9/mutual-of-omaha.svg?optimize=medium&width=160&format=pjpg&auto=webp" width="160" height="76" style="min-width:160px;" loading="lazy" alt="Mutual of Omaha"> </div> <div class="carrier-card-lite__cta-container mt-4 sm:mt-0 display-flex flex-direction-column align-items-center sm:align-items-end w-full"> <a href="https://www.bankrate.com/insurance/reviews/mutual-of-omaha/" class="Button Button--primary w-full sm:w-72 mb-4 sm:mb-0" data-beam-element-clicked-no-delay id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Mutual of Omaha" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > Mutual of Omaha review</a> </div> </div> <div class="mb-4 text-center sm:text-left"> <p class="mb-0 text-lg font-bold font-circular-bold">Digital accessibility</p> </div> <div class="border-t sm:border-t-0 border-gray-200 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full" @click="showMore = !showMore" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Mutual of Omaha" data-text="Overview" > Overview <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showMore ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__details-container text-slate mt-3 sm:mt-0 sm:display-block px-3 sm:px-0" :class="[showMore ? 'display-block' : 'display-none']"> <div class="wysiwyg display-block w-full"> <p>Mutual of Omaha ranked just behind the overall winners of Bankrate’s best life insurance study. The company ranks well above average in J.D. Power’s customer satisfaction survey and earned a financial strength rating of A+ (Superior) from AM Best. Mutual of Omaha offers no-medical-exam life insurance options, and its digital features could make managing your life insurance policy easy.</p> <p>Some people may be looking for the best online life insurance experience. In terms of accessibility, Mutual of Omaha offers a robust digital app, an online portal, local insurance agents and a 24/7 phone line for accepting your payments.</p></div> </div> <div class="border-t border-gray-200 sm:border-t-0 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full border-t border-gray-200" style="transition-property: all; transition-duration: 0.3s;" @click="showProsCons = !showProsCons" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Mutual of Omaha" data-text="Pros and cons" > Pros and cons <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showProsCons ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__pros-cons sm:display-grid grid-cols-1 sm:grid-cols-2 gap-x-6 mt-3 sm:mt-6 px-3 sm:px-0" :class="[showProsCons ? 'display-block' : 'display-none']"> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-green w-7 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg>Pros </p> <div class="wysiwyg display-block w-full"> <ul> <li>Easy online quote process</li> <li>Offers digital money management app</li> <li>High J.D. Power customer satisfaction score</li> </ul></div> </div> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-red w-5 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg>Cons </p> <div class="wysiwyg display-block w-full"> <ul> <li>Does not provide dividends</li> <li>Not all life insurance can be quoted online</li> </ul></div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3 id="nationwide">Nationwide</h3></div> <div x-data="{ showMore: false, showProsCons: false }" class="carrier-card-lite sm:display-grid box-shadow-1 rounded-xl p-4 sm:p-8" data-beam-element-viewed id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Nationwide" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > <div class="carrier-card-lite__header-container sm:mb-6 display-flex flex-direction-column sm:flex-direction-row align-items-center"> <div class="mb-4 sm:mb-0 sm:mr-8 align-self-center sm:align-self-auto"> <img src="https://www.bankrate.com/f/102997/3840x2160/57a517d994/nationwide-logo.png?optimize=medium&width=160&format=pjpg&auto=webp" width="160" height="90" style="min-width:160px;" loading="lazy" alt="Nationwide"> </div> <div class="carrier-card-lite__cta-container mt-4 sm:mt-0 display-flex flex-direction-column align-items-center sm:align-items-end w-full"> <a href="https://www.bankrate.com/insurance/reviews/nationwide/" class="Button Button--primary w-full sm:w-72 mb-4 sm:mb-0" data-beam-element-clicked-no-delay id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Nationwide" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > Nationwide review</a> </div> </div> <div class="mb-4 text-center sm:text-left"> <p class="mb-0 text-lg font-bold font-circular-bold">Customer satisfaction</p> </div> <div class="border-t sm:border-t-0 border-gray-200 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full" @click="showMore = !showMore" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Nationwide" data-text="Overview" > Overview <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showMore ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__details-container text-slate mt-3 sm:mt-0 sm:display-block px-3 sm:px-0" :class="[showMore ? 'display-block' : 'display-none']"> <div class="wysiwyg display-block w-full"> <p>Nationwide offers a user-friendly mobile app, streamlined online portal and a network of independent agents across the U.S. Combine those features with an above-average J.D. Power customer satisfaction rating, and Nationwide could be a great choice for customer satisfaction.</p> <p>The multi-line insurer offers several riders. Nationwide also received an A (Excellent) financial strength rating from AM Best.</p></div> </div> <div class="border-t border-gray-200 sm:border-t-0 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full border-t border-gray-200" style="transition-property: all; transition-duration: 0.3s;" @click="showProsCons = !showProsCons" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Nationwide" data-text="Pros and cons" > Pros and cons <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showProsCons ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__pros-cons sm:display-grid grid-cols-1 sm:grid-cols-2 gap-x-6 mt-3 sm:mt-6 px-3 sm:px-0" :class="[showProsCons ? 'display-block' : 'display-none']"> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-green w-7 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg>Pros </p> <div class="wysiwyg display-block w-full"> <ul> <li>Offers no-medical exam options for whole and term life insurance, depending on eligibility</li> <li>Above-average J.D. Power customer service score</li> <li>Plentiful rider options</li> </ul></div> </div> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-red w-5 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg>Cons </p> <div class="wysiwyg display-block w-full"> <ul> <li>Limited online quotes</li> <li>Policy acceptance not guaranteed</li> <li>No 24/7 help line</li> </ul></div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3 id="northwestern-mutual">Northwestern Mutual</h3></div> <div x-data="{ showMore: false, showProsCons: false }" class="carrier-card-lite sm:display-grid box-shadow-1 rounded-xl p-4 sm:p-8" data-beam-element-viewed id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Northwestern Mutual" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > <div class="carrier-card-lite__header-container sm:mb-6 display-flex flex-direction-column sm:flex-direction-row align-items-center"> <div class="mb-4 sm:mb-0 sm:mr-8 align-self-center sm:align-self-auto"> <img src="https://www.bankrate.com/f/102997/x/7d1368fa6d/northwesternmutual.svg?optimize=medium&width=160&format=pjpg&auto=webp" width="160" height="76" style="min-width:160px;" loading="lazy" alt="Northwestern Mutual"> </div> <div class="carrier-card-lite__cta-container mt-4 sm:mt-0 display-flex flex-direction-column align-items-center sm:align-items-end w-full"> <a href="https://www.bankrate.com/insurance/reviews/northwestern-mutual/" class="Button Button--primary w-full sm:w-72 mb-4 sm:mb-0" data-beam-element-clicked-no-delay id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Northwestern Mutual" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > Northwestern Mutual review</a> </div> </div> <div class="mb-4 text-center sm:text-left"> <p class="mb-0 text-lg font-bold font-circular-bold">Customer service</p> </div> <div class="border-t sm:border-t-0 border-gray-200 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full" @click="showMore = !showMore" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Northwestern Mutual" data-text="Overview" > Overview <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showMore ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__details-container text-slate mt-3 sm:mt-0 sm:display-block px-3 sm:px-0" :class="[showMore ? 'display-block' : 'display-none']"> <div class="wysiwyg display-block w-full"> <p>Northwestern Mutual won the 2023 Bankrate Award for <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/best-universal-life-insurance/">Best Universal Life Insurance Company</a> due to its high financial strength rating, highly-rated customer satisfaction and available financial planning services. Northwestern Mutual sells coverage through agents, which could be a good fit for those who prefer face-to-face interactions over a digital purchase process.</p> <p>Earning an A++ (Superior) financial strength rating from AM Best, Northwestern Mutual shows a strong history of being able to pay claims. As a mutual company, it is owned by its policyholders. Northwestern Mutual offers a variety of term, whole and universal life insurance policies. Because universal life coverage is flexible, you may be contacting your agent more often. Northwestern Mutual ranks highly in Bankrate’s internal study of accessibility for providing a mobile app, online portal, local agents and a 24/7 customer service phone line that accepts premium payments.</p></div> </div> <div class="border-t border-gray-200 sm:border-t-0 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full border-t border-gray-200" style="transition-property: all; transition-duration: 0.3s;" @click="showProsCons = !showProsCons" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Northwestern Mutual" data-text="Pros and cons" > Pros and cons <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showProsCons ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__pros-cons sm:display-grid grid-cols-1 sm:grid-cols-2 gap-x-6 mt-3 sm:mt-6 px-3 sm:px-0" :class="[showProsCons ? 'display-block' : 'display-none']"> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-green w-7 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg>Pros </p> <div class="wysiwyg display-block w-full"> <ul> <li>Dividends available on whole life insurance policies</li> <li>Flexible policy options</li> <li>Wide range of riders</li> <li>Easy-to-use online portal and mobile app</li> </ul></div> </div> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-red w-5 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg>Cons </p> <div class="wysiwyg display-block w-full"> <ul> <li>Must buy coverage through an agent</li> <li>Limited information available online</li> </ul></div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3 id="prudential">Prudential</h3></div> <div x-data="{ showMore: false, showProsCons: false }" class="carrier-card-lite sm:display-grid box-shadow-1 rounded-xl p-4 sm:p-8" data-beam-element-viewed id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Prudential" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > <div class="carrier-card-lite__header-container sm:mb-6 display-flex flex-direction-column sm:flex-direction-row align-items-center"> <div class="mb-4 sm:mb-0 sm:mr-8 align-self-center sm:align-self-auto"> <img src="https://www.bankrate.com/f/102997/x/6d0b75f296/prudential.svg?optimize=medium&width=160&format=pjpg&auto=webp" width="160" height="76" style="min-width:160px;" loading="lazy" alt="Prudential"> </div> <div class="carrier-card-lite__cta-container mt-4 sm:mt-0 display-flex flex-direction-column align-items-center sm:align-items-end w-full"> <a href="https://www.bankrate.com/insurance/reviews/prudential/" class="Button Button--primary w-full sm:w-72 mb-4 sm:mb-0" data-beam-element-clicked-no-delay id="" data-type="CTA" data-location="Carrier Card Lite" data-name="Prudential" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > Prudential review</a> </div> </div> <div class="mb-4 text-center sm:text-left"> <p class="mb-0 text-lg font-bold font-circular-bold">Policy personalization</p> </div> <div class="border-t sm:border-t-0 border-gray-200 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full" @click="showMore = !showMore" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Prudential" data-text="Overview" > Overview <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showMore ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__details-container text-slate mt-3 sm:mt-0 sm:display-block px-3 sm:px-0" :class="[showMore ? 'display-block' : 'display-none']"> <div class="wysiwyg display-block w-full"> <p>Prudential is the fourth-largest U.S. life insurer based on <a class="Link" href="https://content.naic.org/sites/default/files/research-actuarial-life-fraternal-market-share.pdf" target="_blank" rel="noopener">market share rankings</a> from the National Association of Insurance Commissioners (NAIC). In our study, Prudential Financial ranked just behind our overall best life insurance company winners in customer satisfaction and accessibility. It offers plentiful rider options, easy-to-use online tools and live agent support.</p> <p>The company offers many rider options should you want to enhance your coverage. It also offers a variety of term life and universal life insurance policies, giving customers a greater level of flexibility than some of its competitors. However, keep in mind that Prudential does not offer whole life insurance or no-medical-exam policy options.</p></div> </div> <div class="border-t border-gray-200 sm:border-t-0 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full border-t border-gray-200" style="transition-property: all; transition-duration: 0.3s;" @click="showProsCons = !showProsCons" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="Prudential" data-text="Pros and cons" > Pros and cons <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showProsCons ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__pros-cons sm:display-grid grid-cols-1 sm:grid-cols-2 gap-x-6 mt-3 sm:mt-6 px-3 sm:px-0" :class="[showProsCons ? 'display-block' : 'display-none']"> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-green w-7 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg>Pros </p> <div class="wysiwyg display-block w-full"> <ul> <li>Live agent support available</li> <li>Online tools</li> <li>Plentiful rider options</li> <li>Variety of term and universal life policies</li> </ul></div> </div> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-red w-5 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg>Cons </p> <div class="wysiwyg display-block w-full"> <ul> <li>Medical history required for quotes</li> <li>Limited online quotes</li> <li>Selective policy options</li> <li>Below-average J.D. Power customer satisfaction score</li> </ul></div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3 id="state-farm">State Farm</h3></div> <div x-data="{ showMore: false, showProsCons: false }" class="carrier-card-lite sm:display-grid box-shadow-1 rounded-xl p-4 sm:p-8" data-beam-element-viewed id="" data-type="CTA" data-location="Carrier Card Lite" data-name="State Farm" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > <div class="carrier-card-lite__header-container sm:mb-6 display-flex flex-direction-column sm:flex-direction-row align-items-center"> <div class="mb-4 sm:mb-0 sm:mr-8 align-self-center sm:align-self-auto"> <img src="https://www.bankrate.com/f/102997/x/7fa54539b8/statefarm-logo.svg?optimize=medium&width=160&format=pjpg&auto=webp" width="160" height="76" style="min-width:160px;" loading="lazy" alt="State Farm"> </div> <div class="carrier-card-lite__cta-container mt-4 sm:mt-0 display-flex flex-direction-column align-items-center sm:align-items-end w-full"> <a href="https://www.bankrate.com/insurance/reviews/state-farm/" class="Button Button--primary w-full sm:w-72 mb-4 sm:mb-0" data-beam-element-clicked-no-delay id="" data-type="CTA" data-location="Carrier Card Lite" data-name="State Farm" data-position="Top" data-text="Get a personalized quote" data-outcome="INTERNALLINK" > State Farm review</a> </div> </div> <div class="mb-4 text-center sm:text-left"> <p class="mb-0 text-lg font-bold font-circular-bold">Term life insurance</p> </div> <div class="border-t sm:border-t-0 border-gray-200 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full" @click="showMore = !showMore" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="State Farm" data-text="Overview" > Overview <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showMore ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__details-container text-slate mt-3 sm:mt-0 sm:display-block px-3 sm:px-0" :class="[showMore ? 'display-block' : 'display-none']"> <div class="wysiwyg display-block w-full"> <p>State Farm is a three-time Bankrate Award winner for <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/best-term-life-insurance/">Best Term Life Insurer</a> in 2022, 2023 and 2024, thanks to its top-notch customer service and accessibility tools. As one of the top life insurance companies, State Farm also received the highest customer satisfaction score from J.D. Power.</p> <p>State Farm boasts a 24/7 customer helpline, an easy-to-use mobile app and online portal and more than 19,000 exclusive local agents across the U.S. With an A++ (Superior) rating from AM Best, State Farm has a history of financial stability, as well. The carrier offers a variety of term life insurance options, plus whole, universal and variable universal options. If you want to potentially save money by bundling life insurance with other services, State Farm is also ranked highly by J.D. Power for both <a class="Link" href="https://www.bankrate.com/insurance/homeowners-insurance/best-home-insurance-companies/">home insurance</a> customer satisfaction and <a class="Link" href="https://www.bankrate.com/insurance/car/best-car-insurance-companies/">auto insurance</a>.</p></div> </div> <div class="border-t border-gray-200 sm:border-t-0 w-full"> <button class="Accordion-titleContainer px-3 py-4 sm:display-none bg-transparent w-full border-t border-gray-200" style="transition-property: all; transition-duration: 0.3s;" @click="showProsCons = !showProsCons" data-beam-element-clicked data-type="CTA" data-location="Carrier Card Lite" data-name="State Farm" data-text="Pros and cons" > Pros and cons <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true" :class="[showProsCons ? 'Accordion-icon--is-open' : '']"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <div class="carrier-card-lite__pros-cons sm:display-grid grid-cols-1 sm:grid-cols-2 gap-x-6 mt-3 sm:mt-6 px-3 sm:px-0" :class="[showProsCons ? 'display-block' : 'display-none']"> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-green w-7 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg>Pros </p> <div class="wysiwyg display-block w-full"> <ul> <li>Numerous policy and rider options</li> <li>No medical exams required for some policies</li> <li>Highest J.D. Power customer satisfaction rating</li> </ul></div> </div> <div class="type-body-one text-crop-none text-slate"> <p class="display-flex align-items-center font-circular-bold mb-3"> <svg class="align-middle fill-red w-5 mr-2 pro-con-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg>Cons </p> <div class="wysiwyg display-block w-full"> <ul> <li>$10,000 maximum for final expenses insurance</li> <li>Age-dependent exam plans</li> <li>Can only purchase from an agent; no online option</li> </ul></div> </div> </div> </div> </div> <div id="what-is-life-insurance" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>What is life insurance?</h2> <p>Life insurance serves as a cornerstone of financial security for your loved ones, offering a beacon of support in the wake of your passing. It operates on a simple premise: in return for regular premiums (which may be paid monthly, quarterly, semi-annually or annually), the life insurance company commits to providing a <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/death-benefits/">death benefit</a> — a sum of money designed to ease the financial burdens that may arise. This benefit is not just a monetary gesture; it's a shield against the immediate financial implications of loss, covering essential costs from funeral expenses to outstanding medical bills.</p> <p>What sets life insurance apart is the unique advantage that the death benefit is generally paid out income tax-free and avoids the probate process. This means that your beneficiaries can access the full amount promptly and without tax deductions. They have the flexibility to use these funds however they wish — be it clearing debts, investing in educational futures or managing daily expenses.</p> <p>Different types of policies, for example, term, whole or universal life insurance, offer various features and flexibility. Some policies may allow you to receive funds during your lifetime under certain conditions, like being diagnosed with a serious illness or reaching a particular age. This adds a layer of versatility to the financial protection that life insurance can provide.</p></div> </div> <div id="what-does-life-insurance-cover" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h3>What does life insurance cover?</h3> <p>Life insurance is designed to cover the financial risks associated with the policyholder's death. Depending on the policy type, the death benefit can help cover funeral expenses and final medical bills and provide income replacement for the family. While most life insurance policies typically cover a wide range of causes of death, they also often include specific exclusions. Here's a closer look at what life insurance usually covers:</p> <ul> <li><strong>Accidental deaths:</strong> Life insurance policies cover accidental deaths, such as those resulting from car accidents or unforeseen injuries. However, accidental death and dismemberment (AD&D) policies offer additional benefits specific to certain types of accidental injuries.</li> <li><strong>Natural causes:</strong> Natural deaths due to old age, diseases and illnesses are generally covered, provided all policy requirements are met.</li> <li><strong>Terminal illness: </strong>If a policyholder is diagnosed with a terminal illness, some policies allow access to a portion of the death benefit while they are still alive through a living benefit or accelerated death benefit.</li> <li><strong>Suicide:</strong> Policies typically include a suicide clause that prevents payout if death occurs within a contestability period, often one or two years. After this period, death by suicide may be covered.</li> </ul> <h3>What does life insurance not cover?</h3> <p>Certain <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/exclusions/">exceptions and exclusions</a> apply to life insurance policies, meaning that not all causes of death are covered. Here are a few examples of situations where claims may be denied:</p> <ul> <li><strong>Criminal activities: </strong>If the policyholder dies while involved in illegal activities, such as drug trafficking or burglary, the insurer may deny the claim due to this common exclusion.</li> <li><strong>Hazardous activities: </strong>High-risk activities like skydiving, extreme sports or other dangerous hobbies are often excluded unless disclosed and covered by additional premiums. Some insurers might offer coverage for these activities if declared upfront. However, it’s important to note that if you take up any of these activities <em>after</em> buying a policy, your coverage won’t be negatively impacted.</li> <li><strong>Material misrepresentation:</strong> If the policyholder provides false or incomplete information to secure a policy (i.e., not disclosing a smoking habit or a chronic illness), the insurance company could void the policy or deny the claim if discovered, particularly during the contestability period.</li> <li><strong>Suicide clause:</strong> If <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/does-life-insurance-cover-suicide/">death by suicide</a> occurs within the contestability period, generally lasting one to two years from the policy's start, the insurance provider will typically deny the claim. However, death by suicide may be covered after this timeframe, depending on the specific insurer's terms.</li> </ul></div> </div> <div id="how-to-choose-the-best-life-insurance-policy" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How to choose the best life insurance company</h2> <p>When you are ready to <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/how-to-buy-life-insurance/">buy life insurance</a>, taking a few extra steps can ensure you find the best policy based on your wants and needs. Here are some things to look for when choosing the best life insurance company for you:</p> <ul> <li><strong>Ask for recommendations: </strong>Your friends and family may have life insurance with a company they love. You may want to ask them about their experiences with customer service at these companies.</li> <li><strong>Review customer satisfaction ratings:</strong> You can visit the J.D. Power website or check the carrier reviews in this article to review each insurance company’s customer satisfaction ratings. J.D. Power assigns each company a score out of 1,000 possible points.</li> <li><strong>Assess financial stability:</strong> We recommend looking at a company’s financial strength rating from a third-party agency such as AM Best, <a class="Link" href="https://www.bankrate.com/insurance/s-and-p/">Standard & Poor’s</a> (S&P), Fitch or Moody’s. These companies have their own rating criteria, so you may want to look at more than one company’s ratings before making a decision. A company with a low financial stability rating may have a poor history of being able to meet financial obligations and may struggle to pay life insurance death benefits to policyholders if a high volume of claims are filed simultaneously. It is important to have the assurance that your insurer has a history of strong financial stability.</li> <li><strong>Look at customer reviews:</strong> Dozens of consumer-oriented sites such as Google, Yelp and Trustpilot provide reviews from insurance companies’ customers. It may be most helpful to ignore the outlier reviews and focus on the overall average instead. What did the average customer say about the company you are considering? Are the items they complained about important to you? For example, if someone complained that the company does not offer a mobile app, but a mobile app is unimportant for your needs, you may not need to consider that review in your assessment.</li> <li><strong>Get multiple life insurance quotes: </strong>It can be beneficial to <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/life-insurance-quotes/">compare life insurance quotes</a> from multiple carriers to help you find the best cheap life insurance policy. Each insurance company underwrites a bit differently so depending on your health and lifestyle factors, your rates may vary considerably from insurer to insurer. Keep in mind that prices will also vary more widely for different policy types, although additional policy features could be another cost-influencing factor.</li> <li><strong>Seek professional counsel:</strong> While a <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/life-insurance-calculator/">life insurance calculator</a> can be useful, you may be better able to determine your needs by talking with a <a class="Link" href="https://www.bankrate.com/investing/financial-advisors/best-financial-advisors/">financial advisor</a> or a licensed life insurance agent if you have more complex needs or questions. A life insurance agent can help you decide what type of life insurance coverage is right for you and how much life insurance you need. When choosing between the many types of life insurance, it may help to get a second opinion from a professional.</li> </ul></div> </div> <div id="life-insurance-cost" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How much does life insurance cost?</h2> <p>When determining life insurance rates, several factors can influence the premiums you pay. Understanding these variables can help you find a policy that aligns with your financial and personal needs. Here are the key elements that typically affect life insurance rates:</p> <ul> <li><strong>Age</strong>: Younger applicants often benefit from lower rates as they pose a lower risk to insurers.</li> <li><strong>Health</strong>: Healthier individuals usually pay less, while those with pre-existing conditions may face higher premiums.</li> <li><strong>Policy type</strong>: Term life insurance tends to be more affordable than permanent life insurance.</li> <li><strong>Coverage amount</strong>: Higher coverage amounts generally result in higher premiums.</li> <li><strong>Lifestyle</strong>: Engaging in risky activities or having a hazardous occupation can increase your rates.</li> <li><strong>Smoking status</strong>: Smokers typically pay more due to the associated health risks.</li> <li><strong>Gender</strong>: Statistically, men often pay higher premiums than women due to shorter life expectancies.</li> <li><strong>Family medical history</strong>: A history of serious illnesses in your family can lead to higher rates.</li> <li><strong>Location</strong>: Insurance rates can vary based on state regulations and local cost of living.</li> </ul> <p>Shopping around and reviewing different products and rates is a good strategy to find the best policy for your needs and budget. If you have a health condition, comparison shopping is especially beneficial as insurers underwrite risk factors differently, impacting the price you need to pay for coverage.</p> <h3>How much life insurance do I need?</h3> <p>The <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/how-much-life-insurance-do-i-need/">appropriate level of life insurance</a> is different for everyone. Insurance experts recommend enough coverage to pay off any outstanding obligations the loss of your income might leave behind. Typical debts include mortgages, car loans, credit card debt, student loans, medical bills and funeral expenses. If you have young children or care for others who are financially dependent on you, consider future financial needs you may want to plan for.</p> <p>For policyholders unable to afford typical life insurance, <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/burial-insurance/#what-is-burial-insurance">burial insurance</a> may be a more cost-effective option. This type of policy would provide coverage for final expenses related to your funeral, such as cremation costs, a burial plot, flowers, etc. Coverage is usually available between $5,000 and $25,000 with a lower premium and fewer underwriting restrictions than standard life insurance.</p></div> <div class="TipBox display-flex align-items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8"> <svg class="TipBox-icon Icon text-black -mt-4 md:-mt-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg><p class="w-full mb-0"> <strong class="font-bold"> Bankrate’s take: </strong> Finding life insurance can be challenging if you have declining health or <a href="https://www.bankrate.com/insurance/life-insurance/pre-existing-conditions/">pre-existing conditions</a>, but options are still available. It’s beneficial to comparison shop. Many employers offer group insurance to employees, which typically does not require a medical exam or individual underwriting. If this is not an option, guaranteed life insurance plans are another avenue worth exploring. While they can be costly, your medical status is not a qualifier for coverage.</p> </div> </div> <div id="types-of-life-insurance-policies" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Types of life insurance policies</h2> <p>There are many <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/types-of-life-insurance/">types of life insurance policies</a>, but they all fall under two categories: term life insurance, which is only in force for a set time, and permanent life insurance, which is designed to be in effect for your entire life. Permanent life insurance comes with a <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/cash-value-life-insurance/">cash value</a> component. Depending on <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/what-does-life-insurance-cover/">your individual needs and preferences</a>, having one or both of these types of policies could be an integral part of your financial plan.</p> <h3>Term life insurance</h3> <p>With a <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/term-life-insurance/">term life insurance policy</a>, you and the life insurance company enter into a contract for a specified death benefit amount for a set number of years. Unlike permanent life insurance, term life insurance doesn’t have a cash value component, and because it’s only active for a set number of years, it’s possible to outlive your policy and receive no benefits. However, you may be able to convert it into a permanent life policy at the end of your term.</p> <h3>Permanent life insurance</h3> <p>In contrast to term coverage, <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/permanent-life-insurance/">permanent life insurance</a> stays in place for your entire life (although, technically, a maximum coverage age of 90 to 121 does exist, depending on the company) as long as you pay the premiums. There are many types of permanent coverage, but the two main forms are whole and universal.</p> <h4>Whole life insurance</h4> <p><a class="Link" href="https://www.bankrate.com/insurance/life-insurance/whole-life-insurance/">Whole life insurance</a>, a type of permanent life insurance, generally features fixed premiums and a cash value component. Although the policy terms cannot usually be changed once it is active, the cash value component could be advantageous, providing a financial cushion over time. Additionally, certain whole life policies offer the potential to earn dividends. These dividends, which are not guaranteed, may be used to enhance the cash value, pay premiums or be withdrawn as cash. However, keep in mind that the cash value typically accumulates slowly, so it's important to assess whether this feature aligns with your long-term financial goals.</p> <h4>Universal life insurance</h4> <p>Another form of permanent life insurance, <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/universal-life-insurance/">universal life insurance</a>, is known for its flexibility. The premium and death benefit can be adjusted as needs or lifestyles change. It also has a cash value component with earned interest based on a fixed rate or how indexed accounts perform, depending on the policy.</p></div> <div class="TipBox display-flex align-items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8"> <svg class="TipBox-icon Icon text-black -mt-4 md:-mt-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg><p class="w-full mb-0"> <strong class="font-bold"> Bankrate’s take: </strong> The premiums paid toward a permanent life insurance policy are portioned into three groups: the insurance company's cost and profits, the death benefit payout and the policy's growing cash value. Policyholders can access the cash value of the policy when needed by making a withdrawal, loan or canceling the policy in full. When money is withdrawn or the policyholder cancels the policy during the surrender period, most companies initiate a surrender fee, typically around 10 percent of the contributed funds. The surrender period varies between providers and can last up to 15 years.</p> </div> </div> <div id="frequently-asked-questions" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Frequently asked questions</h2></div> <ul class="Accordion w-full" data-cy="accordion-783d32e2-9df4-412d-b8b4-94b2b6fda020"> <li x-id="['panel-how-does-life-insurance-work', 'heading-how-does-life-insurance-work']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-does-life-insurance-work')" :aria-controls="$id('panel-how-does-life-insurance-work')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" how does life insurance work? " data-position="1" data-text=" How does life insurance work? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How does life insurance work?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-does-life-insurance-work')" :labelledBy="$id('heading-how-does-life-insurance-work')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>When you purchase a life insurance policy, you are making an agreement with an insurance company to make regular payments toward continued coverage with the policy. You will also <a class="Link" href="https://www.bankrate.com/retirement/what-is-a-beneficiary/">choose a beneficiary</a>, which could be a person or organization, that the insurance company will pay once you pass away. To access the funds, your beneficiary would have to file a claim with the company, who will then process it before making the payment.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-does-life-insurance-work')" :labelledBy="$id('heading-how-does-life-insurance-work')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>When you purchase a life insurance policy, you are making an agreement with an insurance company to make regular payments toward continued coverage with the policy. You will also <a class="Link" href="https://www.bankrate.com/retirement/what-is-a-beneficiary/">choose a beneficiary</a>, which could be a person or organization, that the insurance company will pay once you pass away. To access the funds, your beneficiary would have to file a claim with the company, who will then process it before making the payment.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-do-you-need', 'heading-do-you-need']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-do-you-need')" :aria-controls="$id('panel-do-you-need')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" do i need life insurance? " data-position="2" data-text=" Do I need life insurance? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Do I need life insurance?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-do-you-need')" :labelledBy="$id('heading-do-you-need')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <div>Everyone’s needs are different. Some people may benefit from a life insurance policy while others won’t. If you have anyone relying on your income, you may want to consider a life insurance policy to help ensure your loved ones are taken care of if you pass away and your financial contribution to the household is lost. Additionally, <a class="Link" href="https://www.bankrate.com/personal-finance/debt/what-happens-to-your-debt-after-you-die/">if you have debts</a>, life insurance could help your loved ones pay those off when you’re gone. You can also use a life insurance policy to help pay for your children’s college expenses, leave a financial gift to someone or donate to charity. Working with a licensed life insurance agent or a financial advisor could help you decide if life insurance is right for you.</div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-do-you-need')" :labelledBy="$id('heading-do-you-need')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <div>Everyone’s needs are different. Some people may benefit from a life insurance policy while others won’t. If you have anyone relying on your income, you may want to consider a life insurance policy to help ensure your loved ones are taken care of if you pass away and your financial contribution to the household is lost. Additionally, <a class="Link" href="https://www.bankrate.com/personal-finance/debt/what-happens-to-your-debt-after-you-die/">if you have debts</a>, life insurance could help your loved ones pay those off when you’re gone. You can also use a life insurance policy to help pay for your children’s college expenses, leave a financial gift to someone or donate to charity. Working with a licensed life insurance agent or a financial advisor could help you decide if life insurance is right for you.</div></div> </div> </div> </noscript> </li> <li x-id="['panel-who-can-i-name-as-my-beneficiary', 'heading-who-can-i-name-as-my-beneficiary']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-who-can-i-name-as-my-beneficiary')" :aria-controls="$id('panel-who-can-i-name-as-my-beneficiary')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" who can i name as my beneficiary? " data-position="3" data-text=" Who can I name as my beneficiary? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who can I name as my beneficiary?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-who-can-i-name-as-my-beneficiary')" :labelledBy="$id('heading-who-can-i-name-as-my-beneficiary')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Typically, you can nominate virtually anyone or any organization as your life insurance beneficiary, provided there's an <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/insurable-interest/">insurable interest</a>. This means that the insured’s passing would result in a financial setback for the beneficiary, preventing potential moral hazards.</p> <p>If you’re a parent, it may seem obvious to name your child as your beneficiary, but it’s not advisable if they are a minor. Insurers can’t legally give a payout directly to a minor, which may result in the funds being held up in probate. Instead, consider these options:</p> <ul> <li><strong>Trust:</strong> Set up a trust and name it as the beneficiary to manage the payout according to your wishes.</li> <li><strong>Guardian:</strong> Appoint a legal guardian for the minor who can manage the funds until the child reaches adulthood.</li> <li><strong>Custodian:</strong> Designate a custodian under the Uniform Transfers to Minors Act (UTMA) or Uniform Gifts to Minors Act (UGMA) to manage the funds until the child comes of age.</li> </ul> <p>Consulting with a financial advisor or estate planning attorney can help ensure your choice aligns with your overall financial strategy and complies with state laws.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-who-can-i-name-as-my-beneficiary')" :labelledBy="$id('heading-who-can-i-name-as-my-beneficiary')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Typically, you can nominate virtually anyone or any organization as your life insurance beneficiary, provided there's an <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/insurable-interest/">insurable interest</a>. This means that the insured’s passing would result in a financial setback for the beneficiary, preventing potential moral hazards.</p> <p>If you’re a parent, it may seem obvious to name your child as your beneficiary, but it’s not advisable if they are a minor. Insurers can’t legally give a payout directly to a minor, which may result in the funds being held up in probate. Instead, consider these options:</p> <ul> <li><strong>Trust:</strong> Set up a trust and name it as the beneficiary to manage the payout according to your wishes.</li> <li><strong>Guardian:</strong> Appoint a legal guardian for the minor who can manage the funds until the child reaches adulthood.</li> <li><strong>Custodian:</strong> Designate a custodian under the Uniform Transfers to Minors Act (UTMA) or Uniform Gifts to Minors Act (UGMA) to manage the funds until the child comes of age.</li> </ul> <p>Consulting with a financial advisor or estate planning attorney can help ensure your choice aligns with your overall financial strategy and complies with state laws.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-how-to-choose', 'heading-how-to-choose']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-to-choose')" :aria-controls="$id('panel-how-to-choose')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" what’s the best age to buy life insurance? " data-position="4" data-text=" What’s the best age to buy life insurance? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What’s the best age to buy life insurance?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-to-choose')" :labelledBy="$id('heading-how-to-choose')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <div>When you decide to purchase life insurance is largely a personal decision based on your health status, financial needs and if you have any dependents. In general, buying life insurance when you’re younger allows you to get a more competitive rate than buying life insurance when older. Even so, it is possible to find affordable <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/rates-by-age/">life insurance options at any age</a> that fit your budget. Shopping around with multiple carriers and considering policies from both traditional and newer life insurance companies could result in several suitable options for your life stage and financial needs.</div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-to-choose')" :labelledBy="$id('heading-how-to-choose')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <div>When you decide to purchase life insurance is largely a personal decision based on your health status, financial needs and if you have any dependents. In general, buying life insurance when you’re younger allows you to get a more competitive rate than buying life insurance when older. Even so, it is possible to find affordable <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/rates-by-age/">life insurance options at any age</a> that fit your budget. Shopping around with multiple carriers and considering policies from both traditional and newer life insurance companies could result in several suitable options for your life stage and financial needs.</div></div> </div> </div> </noscript> </li> <li x-id="['panel-can-i-use-my-life-insurance-while-still-living', 'heading-can-i-use-my-life-insurance-while-still-living']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-can-i-use-my-life-insurance-while-still-living')" :aria-controls="$id('panel-can-i-use-my-life-insurance-while-still-living')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" can i use my life insurance while still living? " data-position="5" data-text=" Can I use my life insurance while still living? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can I use my life insurance while still living?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-can-i-use-my-life-insurance-while-still-living')" :labelledBy="$id('heading-can-i-use-my-life-insurance-while-still-living')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>It depends. If you want to use your life insurance while you’re still alive, you must purchase a policy with <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/living-benefits/">living benefits</a>. One living benefit is built into some permanent life insurance policies in the form of a cash value component. If, over time, the cash value of your permanent policy has accrued enough money, you may be able to use it to pay for your life insurance premium or to borrow against it.</p> <p>Depending on the company, living benefits riders may also be available. One popular living benefit is the accelerated death benefit rider, allowing you to access a portion of your death benefit if you are diagnosed with a terminal illness or disability. Another common choice is the long-term care benefits rider, which may be available on permanent policies and allows the policyholder to use some of their death benefits to pay for a nursing home.</p> <p>You may want to speak with a licensed professional if you’d like to purchase a life insurance policy with living benefits. A professional can help tailor a life insurance policy for your specific financial goals.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-can-i-use-my-life-insurance-while-still-living')" :labelledBy="$id('heading-can-i-use-my-life-insurance-while-still-living')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>It depends. If you want to use your life insurance while you’re still alive, you must purchase a policy with <a class="Link" href="https://www.bankrate.com/insurance/life-insurance/living-benefits/">living benefits</a>. One living benefit is built into some permanent life insurance policies in the form of a cash value component. If, over time, the cash value of your permanent policy has accrued enough money, you may be able to use it to pay for your life insurance premium or to borrow against it.</p> <p>Depending on the company, living benefits riders may also be available. One popular living benefit is the accelerated death benefit rider, allowing you to access a portion of your death benefit if you are diagnosed with a terminal illness or disability. Another common choice is the long-term care benefits rider, which may be available on permanent policies and allows the policyholder to use some of their death benefits to pay for a nursing home.</p> <p>You may want to speak with a licensed professional if you’d like to purchase a life insurance policy with living benefits. A professional can help tailor a life insurance policy for your specific financial goals.</p></div> </div> </div> </noscript> </li> </ul> </div></div> </div> <section class="pb-16" data-cy="transactional-template__footer"> <div class="AuthorFooter display-flex flex-wrap justify-content-space-between"> <div class="author w-full display-flex flex-wrap border-b border-gray-light pb-4"> <div> <img srcset="https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=96&height=96&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=96&height=96&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=96&height=96&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/10/02120640/Ashlyn-1-scaled.jpg?auto=webp&quality=85&width=96&height=96&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xl mr-8 flex-shrink-0" alt=""> </div> <div class="flex-grow display-flex flex-direction-column justify-content-space-evenly"> <div class="type-body-two text-slate">Written by</div> <div class="type-heading-four pr-2"> Ashlyn Brooks</div> <div class="type-body-two text-slate pr-2">Writer II, Insurance</div> </div> <div class="display-flex justify-content-space-between align-items-flex-end author-links mt-4 md:mt-0"> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> </ul> <div> <a class="Button Button--secondary type-body-two" href="https://www.bankrate.com/authors/ashlyn-brooks/">Read more from Ashlyn</a> </div> </div> </div> <div class="w-full type-body-two text-slate mt-4 mb-8"> Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.</div> <div class="author-additional md:flex-grow pt-8 mb-4 md:pt-0 md:mb-0"> <div class="display-flex"> <div class="author-additional-preview sm:mr-auto"> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--basic"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <span class="AuthorPreview-label text-slate type-body-two text-crop-none">Edited by</span> <strong class="AuthorPreview-name font-bold text-crop-none display-flex align-items-center"> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('gZIx3n')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-gZIx3n" aria-controls="tooltip-content-gZIx3n" x-bind="trigger"> Natasha Cornelius, CLU</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-gZIx3n" aria-hidden="true" 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class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 10 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Natasha Cornelius, CLU, is an insurance editor for Bankrate, specializing in auto, home and life insurance.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/natasha-cornelius/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/natashacornelius/" target="_blank" rel="nofollow" aria-label="Connect with Natasha Cornelius, CLU on LinkedIn" data-beam-element-clicked 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https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <span class="AuthorPreview-label text-slate type-body-two text-crop-none">Reviewed by</span> <strong class="AuthorPreview-name font-bold text-crop-none display-flex align-items-center"> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('r9Qqn1')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-r9Qqn1" aria-controls="tooltip-content-r9Qqn1" x-bind="trigger"> Tony Steuer</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-r9Qqn1" aria-hidden="true" aria-labelledby="tooltip-trigger-r9Qqn1" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/tony-steuer/" class="Link Link--standalone text-black"> Tony Steuer</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Expert Reviewer, CLU, LA, CPFFE</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 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1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Life insurance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Insurance coverage</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Tony Steuer, CLU, LA, CPFFE is an internationally recognized financial preparedness advocate, podcaster, and award-winning author. Tony developed the Get Ready Movement to empower and educate people on all areas of personal finance.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/tony-steuer/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://linkedin.com/in/tonysteuer" target="_blank" rel="nofollow" aria-label="Connect with Tony Steuer on LinkedIn" data-beam-element-clicked id="author_bio_tony_steuer_linkedin_icon" data-type="icon" data-location="author_bio_tony_steuer" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn 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// Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); 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