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https://www.wbko.com/2023/06/30/former-wku-lady-toppers-star-crystal-kelly-becomes-assistant-coach-kentucky/ | Former WKU Lady Toppers star Crystal Kelly becomes Assistant Coach at Kentucky Skip to contentNewsLivestreamsWeather24/7 WeatherSportsLatest VideosBack to SchoolSt. JudeSpanishAppsHomeElection ResultsInteractive ResultsNewsTrafficStateRegionalNationalInvestigationInternationalAM and MiddayHealthEducationCrime StoppersCrimeLivestreamsWeather24/7 WeatherRadarWeather CamsWeather App TutorialWeather SafetyWhat is a First Alert Weather DayWeather HeadlinesClosings & DelaysSportsSports ConnectionLong GameCourtsideFootball Friday NightsSports VideoNational SportsTalkin' TopsLatest VideosBack to SchoolSt. JudeTelemundo Bowling GreenWBKO NewsletterContact UsMeet the News TeamFollow UsSubmit Photo or VideoJobs with Gray TelevisionJobs with WBKOProgramming ScheduleJob WatchContestsSponsored PagesGood NewsHometown HeroJA People of ActionSOKY Happenings CalendarAppsZeam - News StreamsGray DC BureauInvestigateTVWatching Your WalletDigital MarketingPowerNationCircle CountryFormer WKU Lady Toppers star Crystal Kelly becomes Assistant Coach at KentuckyFormer WKU Lady Topper Crystal Kelly joins UK Women's Basketball coaching staffBy Kaden Gaylord-DayPublished: Jun. 30, 2023 at 5:34 PM CDTEmail This LinkShare on FacebookShare on X (formerly Twitter)Share on PinterestShare on LinkedInLexington, Ky. (WBKO) - Former WKU Lady Toppers star Crystal Kelly has been brought on the University of Kentucky Women’s Basketball staff as its new Assistant Coach, announced by Head Coach Kyra Elzy on Friday.“It is with great anticipation that we announce the hiring of Crystal Kelly,” Elzy said. “She is the total package. She takes great pride in being a product of Kentucky, and she understands the responsibility that it holds. Crystal was a talented in-state basketball player, which will benefit our program in numerous ways, but she also has had proven success in her coaching career. I have a lot of confidence in Crystal, and her contagious energy, competitive spirit and winning pedigree checks all the boxes for our program.”Kelly heads to Lexington after serving two seasons as the Associate Head Coach at Towson (2021-23). There, she helped Towson to back-to-back seasons of 20+ wins and two straight Women’s National Invitation Tournament appearances.“Returning to my home state to coach at the University of Kentucky is such a privilege and honor,” Kelly said. “Coaching alongside Coach Elzy, who has mentored me for many years, is truly a full circle moment. As I step into this new role, I’m eager to build relationships with the student-athletes, collaborate with the staff and immerse myself in the unwavering passion of Big Blue Nation.”Kelly is a native of Louisville, Kentucky, and played for Sacred Heart Academy, helping the girls basketball team to three straight Kentucky High School Athletic Association state championships (2002, 2003, 2004). While in high school, she was named the 2004 Miss Kentucky Basketball, 2004 Associated Press Player of the Year and the 2003 and 2004 Kentucky Gatorade Player of the Year. She was also named an All-America by several outlets, among receiving other honors.Elzy has known about Kelly for more than 20 years, leading the effort to sign Kelly to the WKU Women’s Basketball class of 2004. Kelly went on to have a standout career at WKU (2004-08), so much so that the Hilltoppers retired her jersey (No. 42) in 2008. Kelly rewrote the record book during her college career, finishing with a school-record 2,803 points and 1,258 rebounds. Her scoring total also stood as a Sun Belt Conference record and made her the 12th leading scorer in NCAA Division I history at the time.She still owns the school record in more than a dozen categories.During her senior season, she was named an All-American by the Associated Press, CBSSportsOnline.com and State Farm Coaches. She also earned Sun Belt Conference Player of the Year accolades that season, after averaging 22.6 points, 10.5 rebounds and leading the nation with a school-record .644 field-goal percentage. Moreover, Kelly scored a school-record 42 points in her final home game against Louisiana-Monroe, which was the same day her jersey was retired into the rafters at E.A. Diddle Arena.Following her successful college career, Kelly was drafted in the third round, as the 31st overall pick, to the Houston Comets in the 2008 WNBA Draft. She played in the league for three seasons, in addition to playing professionally in Spain, Italy and Brazil.Kelly has an extensive coaching career, which includes a couple of stops close to home.Kelly spent four seasons as an assistant coach at Bellarmine (2012-16). Everything came together in her final season in 2015-16, when the Knights went 24-4, captured their first-ever Great Lakes Valley Conference Tournament title and earned their first NCAA II Tournament berth since 2007-08. Bellarmine’s winning percentage (.857) also tied a program record that season.She then spent one season as an assistant coach at Tennessee Tech (2016-17), before spending two seasons as an assistant coach at Xavier (2017-19). While in Cincinnati, Kelly led the post players, a group that included A’riana Gray, who earned All-Big East Honorable Mention status in 2018-19. Gray led the Musketeers with 13.9 points per game and led the conference with 11.5 rebounds per game. She was the only Big East player to average a double-double on the season.Following that stretch, she returned to Tennessee Tech for an additional season (2019-20) and then to Bellarmine for an extra season (2020-21).At Kentucky, Kelly will work primarily with the post players and she will oversee recruiting.Copyright 2023 WBKO. All rights reserved.Most Read Man killed after wreck near Warren East High School in Bowling Green identified Crime Stoppers: Police looking for woman with active warrants Warren County school buses promote safety with new stop arm cameras Clinton Co. Sheriff’s Office no longer provides 24-hour service amid budget shortfallsMuhlenberg County man facing drug charges after traffic stop Trial continues for Eastern KY man charged with murder of a police officer Bowling Green Finally Has a Better Internet Option What role did Kentucky play in the Civil War?Latest NewsLynn Family Stadium to host U.S. Women’s National Soccer Team game in OctoberFormer Hilltopper Jamarion Sharp signs one-year deal with the Dallas Mavericks NCAA places UK athletics department on probation, vacates wins over violations SOKY Static brings USFA World Series title back to Bowling GreenWKU reveals new red helmetsBG East 12-year old All Star team wins Kentucky Little League State ChampionshipFormer Hilltopper Kyree King set to compete in 2024 Paris Olympics BG East wins Little League State Tournament championshipNewsWeatherSportsVideo ClipsLive StreamsLatest NewscastsMeet the News TeamAdvertise With UsJobs With WBKOSign Up for eNewsContestsProgramming ScheduleWBKO2727 Russellville RoadBowling Green, KY 42101(270) 781-1313Public Inspection [email protected] - (270) 467-0303Terms of ServicePrivacy PolicyEEO StatementFCC ApplicationsContact UsAdvertisingDigital MarketingClosed Captioning/Audio DescriptionAt Gray, our journalists report, write, edit and produce the news content that informs the communities we serve. Click here to learn more about our approach to artificial intelligence.A Gray Local Media Station © 2002-2024 | Former WKU Lady Toppers star Crystal Kelly becomes Assistant Coach at Kentucky | Former Kentucky Miss Basketball Crystal Kelly has joined the UK women's basketball coaching staff. (UK Athletics) Lexington, Ky. (WBKO) - ... | ... State Farm Coaches. She also earned Sun Belt Conference Player of the Year accolades that season, after averaging 22.6 points, 10.5 ... | WBKO-TV | Kaden Gaylord-Day | United States | English |
https://www.myhorrynews.com/news/myrtle-beach-downtown-alliance-proposes-changes-to-make-broadway-street-more-uniform-revitalized/article_035bfa34-177a-11ee-a7b3-53aeab8ce1f8.html | Myrtle Beach Downtown Alliance proposes changes to Broadway | News | myhorrynews.com Skip to main content You have permission to edit this article. Edit Close Facebook Twitter LinkedIn YouTube Instagram Site search Search Sign Up Log In Dashboard Logout My Account Dashboard Profile Saved items Logout AdvertiseSubscribe Home News Business Crime Education Politics Entertainment Announcements Submit a Story Local News Aynor Carolina Forest Conway Horry County Little River Loris Myrtle Beach North Myrtle Beach Surfside Beach Atlantic Beach Visit Contests HTC - Community Hero of the Month Window World - Teacher of the Month Obituaries Opinion Columnists Editorials Editorial Cartoons Letters To The Editor Sports Active Outdoors College Golf Tennis High School Sports Baseball Basketball Cheerleading Cross Country Football Golf Lacrosse Soccer Softball Swimming Tennis Track and Field Volleyball Wrestling Multimedia Gallery News Gallery Sports Gallery Videos Events Calendar Promote Your Event Classifieds Place Your Ad Community Personals Real Estate Yard Sales Services Pets Items for Sale Jobs Vehicles Property for Rent Coupons Business Directory Print Editions Carolina Forest Chronicle The Horry Independent Loris Scene Myrtle Beach Herald North Strand News Visit! Horry County Health & Wellness Horry County Business Journal Horry News & Shopper Special Sections Customer Service Contact Us About Us Advertise Submission Forms Newsstands Newsletter Sign-up Subscribe Activate Print Subscription Manage Your Subscription Facebook Twitter LinkedIn YouTube Instagram Log InDashboard Sign Up Log In Dashboard Logout My Account Dashboard Profile Saved items Logout SubscribeAdvertise Site search Search MyHorryNews Home News Sports Business Obituaries Opinion Calendar Promote Your Event Classifieds Contests Visit Myrtle Beach Downtown Alliance proposes changes to make Broadway Street more uniform, revitalized Share this Facebook Twitter WhatsApp SMS Email Print Copy article link Save Latest e-Editions Click on the image Thursday, August 8, 2024 Print Edition Special Publications Click on the image HTC Community Hero of the Month August'24 My Horry News has an immediate opening for a sales representative - Apply Now July 2023 HTC Community Hero of the Month Sign up for our newsletters or manage your list HTC Community Hero of the Month August'24 Close Myrtle Beach Downtown Alliance proposes changes to make Broadway Street more uniform, revitalized By Janet Morgan [email protected]
Jun 30, 2023
Jun 30, 2023 0 Facebook Twitter WhatsApp SMS Email Facebook Twitter WhatsApp SMS Email Print Copy article link Save There may be changes on Broadway Street in Myrtle Beach, some at different angles, but changes nonetheless.Jason Greene of the Myrtle Beach Downtown Alliance hopes the public will see changes on the historic street by the end of the summer.“Before the first building is built. Before the first building is refurbished,” he said of plans to place banners on uniform light poles by trash cans that match nearby benches. “When we start to see these kinds of streetscape improvements on Broadway Street, and maybe in other places as well, these little incremental things, small quick wins, that will showcase to the community at large that we are making progress and moving forward.” Jason Greene (left) of the Myrtle Beach Downtown Alliance talks with people reviewing the proposals to revitalize Broadway Street. Photo by Janet Morgan / [email protected] Janet Morgan Moving forward and reverse in a sense.One of the proposed improvements is to reverse the parking on the street that’s within eyesight of the Arts and Innovation District. Currently the parking is head-in diagonal parking but, after strategic meetings with board members and business leaders, a proposal to change the parking to reverse angle parking is being planned. Broadway Street currently has head-in diagonal parking as seen on Thursday, June 29, 2023. Photo by Janet Morgan / [email protected] Janet Morgan Greene and about 50 others gathered on 8th Avenue North on Thursday to get a first-hand look at reverse angle parking and let a few demonstrate how it works. The one-block section of 8th Avenue North was chosen for the demonstration because that section of the street is not heavily traveled, said Jessica Wise of SGA/NW, a design and architectural firm. The parallel parking on 8th is not part of the plan to reverse the parking angle, rather it was used just for demonstration purposes.The firm and some from the downtown alliance group had marked off the reverse angle parking spaces with white tape along with a mock-up of a bicycle lane between the parking spaces and the traffic lane. Jason Greene of the Myrtle Beach Downtown Alliance talks with people reviewing the proposals to revitalize Broadway Street. Photo by Janet Morgan / [email protected] Janet Morgan There was a how-to sign posted by the reverse angle spots showing how it’s done in three steps – drivers are instructed to put on their right turn signal, pull forward and reverse into the parking spot in a reverse diagonal direction. Wise said such parking is used in Charlotte, North Carolina, and Hoboken, New Jersey. People practice reverse angle parking on 8th Avenue North in Myrtle Beach on Thursday, June 29, 2023. The Myrtle Beach Downtown Alliance is proposing to have back-up diagonal parking Broadway Street to help with safety concerns and make it easier for shoppers to load their vehicles. The reverse angle parking project would incorporate placing a bicycle lane in between the parking spaces and traffic lane. Photo by Janet Morgan / [email protected] Janet Morgan “This is the most extreme idea we’ve come up with. It’s in other cities and it works. It’s about safety,” she said pointing out that a person pulling out of a parking space would have a clear view of an approaching bicyclist and it’s easier to load a vehicle with shopping bags when backed into a reverse parking spot. “It’s so much more safer than what we have. Safer for the drivers, bicyclists and it’s easier for shoppers. But it won’t be the first thing we do. It’s down the list.” People practice reverse angle parking on 8th Avenue North in Myrtle Beach on Thursday, June 29, 2023. The Myrtle Beach Downtown Alliance is proposing to have back-up diagonal parking Broadway Street to help with safety concerns and make it easier for shoppers to load their vehicles. The reverse angle parking project would incorporate placing a bicycle lane in between the parking spaces and traffic lane. Photo by Janet Morgan / [email protected] Janet Morgan Greene said he expects the banners on light poles to be one of the first things the public will see. He said the banners give the street an identity and a sense of place to visitors.Banners for special events are commonly seen on light poles on Ocean Boulevard, especially near the Franklin G. Burroughs-Simeon B. Chapin Art Museum on the southern end of the city limits.Other proposed changes include uniform lighting and painted crosswalks.The crosswalk markings on the street are currently faded.Tonya Gore of the downtown alliance said they will be putting the word out to local artists to submit proposals for the crosswalks. By painting the crosswalks with original, local art, she said, the community is invested in the street revitalization and the crosswalks cause a traffic calming effect. The approved art will be placed with stencils using thermal plastic. The plastic molded art will be about 1/4-inch thick to prevent it from fading and being damaged. Broadway Street currently has head-in diagonal parking as seen on Thursday, June 29, 2023. Photo by Janet Morgan / [email protected] Janet Morgan “We’re trying to illustrate what the future of downtown is going to look like,” Greene said. “I think that’s really important to the community, at large, to let them know we’re making progress. I believe it’s going to be in these small projects like this, relatively small projects, like this that make a difference.” Another difference the alliance is proposing, which reflects the city’s downtown master plan passed in 2019, is creating a walking path with sidewalks to connect Broadway Street to the Myrtle Beach Boardwalk through Withers Swash and up to Collins Street and 3rd Avenue North. The sidewalk would bridge the gap where the sidewalk runs out and connect the city’s newest dog parks at New Town Park to Broadway Street.Vicki Levy listened and nodded at each presentation.“My office sits on the corner of 4th Avenue and Broadway,” she said of State Farm Insurance and her support of the reverse angle parking that would make it safer for drivers and bicyclists. “So many people come on their bikes on the sidewalk. They go down the ramp and they have to take the little swish to get back onto the sidewalk. I can’t tell you how many times I thought someone was coming through the glass widow in my office because that’s kind of a dog-leg kind of a turn.”And the uniform lighting, matching benches and trash cans, painted crosswalks and a walking path from the boardwalk? “We aren’t going anywhere,” she smiled. “We’re going to stay for all the good changes. We’ve stayed for all the down slide and we’re staying for the climb back up again. It’s coming. We’re getting there.” Greene said the next steps to get many of the changes accomplished include getting approval from the city council and coordinating with Santee Cooper for light poles.The Myrtle Beach Downtown Alliance’s mission is to manage and revitalize the downtown. It is governed by a board of directors made from representatives of city government as well as business leaders. The quasi-government alliance is funded with public and private money. Janet Morgan is the editor of the Myrtle Beach Herald. Contact her at 843-488-7258 or at [email protected]. Love 1 Funny 0 Wow 0 Sad 0 Angry 1 Facebook Twitter WhatsApp SMS Email Print Copy article link Save More information Myrtle Beach, North Myrtle Beach officials share visions and goals for 2024 New faces on the dais, downtown development, potential state park designation and improvements to recreation areas are on the list of some changes planned in Myrtle Beach and North Myrtle Beach this year. Tags Changes To Make Broadway Street Uniform Revitalized Broadway Street Myrtle Beach Downtown Alliance Jason Greene Jessica Wise Sga/nw Design And Architectural Firm Tonya Gore Charlotte North Carolina Hoboken New Jersey Vicki Levy State Farm Insurance Historic Street Neighborhood Collins Street Withers Swash Dog Park New Town Park Locations Myrtle Beach × Post a comment as Guest Emoticons [smile] [beam] [wink] [sad] [cool] [innocent] [rolleyes] [whistling] [lol] [huh] [tongue] [love] [sleeping] [yawn] [unsure] [angry] [blink] [crying] [ohmy] [scared] [sleep] [sneaky] [tongue_smile] [thumbdown] [thumbup] [censored] [happybirthday] [ban] [spam] [offtopic] [batman] [ninja] [pirate] [alien] Comment Text Cancel Post comment × Report Cancel Report Abuse × Watch this discussion. Stop watching this discussion. Watch this discussion Get an email notification whenever someone contributes to the discussion Notifications from this discussion will be disabled. 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https://www.thecamarilloacorn.com/articles/fire-hardening-hasnt-helped-insurance-rates/ | Fire hardening hasn’t helped insurance rates
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Fire hardening hasn’t helped insurance rates
By wpeditor on July 01, 2023 By Victoria [email protected] On May 30, California Department of Insurance Commissioner Ricardo Lara issued a consumer alert on State Farm’s decision to “temporarily pause” new policies in California. That was before Allstate quietly ceased issuing new policies and only announced in June that it was ending property and casualty insurance in a state that has seen its share of disasters in recent years. “While the California Department of Insurance cannot legally control a company’s business decision, we can help Californians navigate their options,” Lara said. Those options include 115 insurers still writing new policies in California, plus there is the California FAIR Plan Association, which was established to meet the needs of California homeowners unable to find insurance in the traditional marketplace and which will cover up to $3 million (in the fourth quarter of this year, which will jump to $20 million, according to Michael Soller, deputy insurance commissioner for the Department of Insurance). Even so, consumers, especially HOAs, find themselves struggling to find suitable, affordable habitational insurance when their previous insurers like CHUBB, Liberty Mutual and AIG inform them of non-renewals. Now, HOA management is forced to find excess or surplus carriers and cobble together coverage, and instead of having a $50,000 policy that covers $5 million, they get a $500,000 policy that covers a fraction of the value. Government program The California Department of Insurance is the agency charged with overseeing insurance regulations, enforcing statutes mandating consumer protections, educating consumers and fostering the stability of insurance markets in the state. Safer from Wildfires is one way Lara claims to be making progress for the insured. This regulation requires insurance companies “to offer discounts and disclose their property’s ‘wildfire risk score,’” said Soller. “Insurance companies that utilize these risk scores were required to submit their discount plans in April, and these are currently under review by our department’s rate regulation experts.” The DOI has a list of 18 carriers on its website, including the FAIR plan, currently offering discounts, most for Firewise Communities, which requires buy-in from a group of neighbors. The Firewise USA recognition program is administered by the National Fire Protection Association and provides a collaborative framework to help neighbors in a geographic area get organized, find direction, and take action to increase the ignition resistance of their homes and community and reduce wildfire risks at the local level. Soller said, “under the new regulation, insurance companies must provide your property’s risk score whenever you apply for a policy, before a renewal or non-renewal and anytime you have completed a mitigation on your property.” Companies are also required to provide a detailed explanation that includes how to lower that score and how much that would save, he said. The Ventura County Fire Department will offer a Firewise USA workshop for HOAs to attend in August, said Max Young, head of Wildfire Safety for the Ventura Regional Fire Safe Council. Instead of admitting the state got caught with their pants down and they don’t have an answer, they’re promising all of this.” One Thousand Oaks HOA, Los Robles Estates, has become a Firewise Community, though it is unclear if they have been able to achieve discounts. “They were spurred to action last year when their insurance was raised quite high, and in about a year’s time, and with lots of work we are close to the finish line,” said Young. “With the insurance commissioners’ new April 12 regulation taking effect, we are very hopeful the work they’ve done will help the insurance become affordable again for their residents,” he said. So far, those discounts have proven to be elusive. Jurisdiction Only admitted carriers, who are required to contribute to the FAIR plan, are under the California Department of Insurance and Lara’s jurisdiction. Carriers that are not admitted, called excess and surplus carriers or E&S insurers, are not subject to the same regulation. They are designed for businesses with a uniquely high risk, which now includes condominium developments in California. The biggest differences between standard insurance and E&S policies are the amount of regulation, the flexibility in writing policies and the state’s involvement in guaranteeing coverage. It is these carriers that are increasingly insuring HOAs. “They don’t have to file with the DOI,” said Brian Linehan of LaBarre/Oksnee Insurance, whose specialty is HOA wildfire coverage. “The DOI is providing a lot of promises. Lara has no power for non-admitted carriers. That means its ‘take it or leave it.’ It’s as simple as that. You can’t even get a quote from a preferred carrier and that’s just the truth.” LaBarre/Oksnee is one of the largest retail insurance agencies specializing in Homeowners Associations in the nation. It is an independent agency that is not beholden to any single carrier. Gabe Albarian, Jr., president of the Westlake Pointe HOA and founder of the HOA President’s Council—which has members from both Ventura and Los Angeles counties—agrees. “There is no clear direction on what insurance companies are requiring. The California Insurance Commissioner’s Office has sent out flyers and notices to this effect; however, I cannot attest to their accuracy because we are not a Firewise Community, which is the requirement for most insurers providing discounts,” said Albarian. Ryan Gessell is the president of the Channel Islands Chapter of the Community Associations Institute. For 20 years, he has represented HOAs exclusively. “These regulations have no teeth,” said Gessell, adding that although the DOI may be able to force carriers to apply credits for fire hardening, they can’t force those carriers to offer the coverage in the first place. “If carriers simply refuse to quote any risks with any kind of brush exposure, then those regulations don’t help those communities that need it the most—and that’s what we’re seeing,” Gessell said. Moving target “All of the preferred insurance carriers (CA Admitted) continue to decline quoting risks with brush exposure that exceeds their comfortability, and that level of comfortability seems to be a moving target.” That target is moving, for the most part, in the opposite direction of community associations, he said. “This is a bunch of hollow promises,” said Linehan. “If I was a consumer, I’d think this was good. It looks like there is a light at the end of the tunnel, but the carriers have drawn a line in the sand.” “When all is said and done,” he said, “the DOI and carriers are putting homeowners in a position with no solution. “There’s a lot of confusion out there,” he said. “The state’s bureaucrats are doing a disservice. Instead of admitting the state got caught with their pants down and they don’t have an answer, they’re promising all of this.” Search for: Read The Digital Issue View Latest Edition Subscribe Now Most Read Articles1Saddle up for Texas Roadhouse2Four Seabees sentenced in Camarillo murder3Local historian unearths lima bean lore Our Hometown DMCA NoticesNewspaper website content management software and services Copyright © 2023-2024 Times Media Group., All Rights Reserved. | Privacy Policy | Fire hardening hasn’t helped insurance rates | On May 30, California Department of Insurance Commissioner Ricardo Lara issued a consumer alert on State Farm’s decision to “temporarily ... | ... of Insurance Commissioner Ricardo Lara issued a consumer alert on State Farm’s decision to “temporarily pause” new policies in California. ... | Camarillo Acorn | Victoria Talbot | United States | English |
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tax issuesFederal income tax calculatorView all taxesTax credits and deductionsTax formsTax software and productsTax preparation basicsNerdWallet tax filingView all tax preparation and filing InsuranceInsuranceThe Average Home Insurance Cost in the U.S. for 2024Advertiser disclosureYou’re our first priority.Every time.We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.The Average Home Insurance Cost in the U.S. for 2024The average cost of homeowners insurance in the U.S. is about $1,915 a year for $300,000 worth of dwelling coverage, but rates vary by state.Updated Jun 3, 2024Written by Sarah SchlichterLead WriterSarah SchlichterLead Writer | Home insurance, renters insurance, pet insuranceSarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area. Learn More+ more Reviewed by Brenda J. CudeProfessor Emeritus, University of GeorgiaBrenda J. CudeProfessor Emeritus, University of GeorgiaBrenda J. Cude is Professor Emeritus in the Department of Financial Planning, Housing and Consumer Economics at the University of Georgia. Dr. Cude has served in various consumer-focused roles for the National Association of Insurance Commissioners since 1994. She has also been a member of the Advisory Council for the Center for Insurance Policy and Research; a Board Member of the Coalition Against Insurance Fraud; a member of the Federal Advisory Committee on Insurance; and a Board Member for the Insurance Marketplace Standards Association. Dr. Cude’s primary research interest is consumer decision-making, with an emphasis in personal financial literacy.Learn MoreAt NerdWallet, our content goes through a rigorous editorial review process. We have such confidence in our accurate and useful content that we let outside experts inspect our work.+ more Edited by Caitlin ConstantineAssigning Editor Caitlin ConstantineAssigning Editor | Home insurance, renters insurance, pet insuranceCaitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina. Learn MoreFact Checked+ more Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Follow the writerYou’re following Sarah SchlichterVisit your My NerdWallet Settings page to see all the writers you're following.Table of ContentsHow much is home insurance in your state?How much is homeowners insurance in your city?Average homeowners insurance cost by companyAverage home insurance cost by dwelling coverage amountAverage homeowners insurance cost by claims historyAverage homeowners insurance cost by home ageWhat does a home insurance rate include?How to reduce the cost of homeowners insuranceFind the best homeowners insurance in your stateShow More MORE LIKE THISInsuranceHomeowners InsuranceTable of ContentsHow much is home insurance in your state?How much is homeowners insurance in your city?Average homeowners insurance cost by companyAverage home insurance cost by dwelling coverage amountAverage homeowners insurance cost by claims historyAverage homeowners insurance cost by home ageWhat does a home insurance rate include?How to reduce the cost of homeowners insuranceFind the best homeowners insurance in your stateMORE LIKE THISInsuranceHomeowners InsuranceHomeowners insurance costs an average of $1,915 a year, or about $160 a month, according to NerdWallet’s analysis. However, this is just a benchmark.Our sample policy was for a 40-year-old homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. The cost of your homeowners insurance will depend on your location, the size of your house and how much coverage you need.We’ve analyzed pricing data from more than 100 insurance companies to bring you the average homeowners insurance cost in every state and the largest U.S. cities.Why you can trust NerdWalletOur writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.Get home insurance quotes in minutesAnswer a few questions to see custom quotes and find the right policy for you.Get StartedHow much is home insurance in your state?Where you live is a big factor in how much you’ll pay for homeowners insurance. Hover over your state on the map below to see the average home insurance cost.Average homeowners insurance rates vary widely. Our analysis found that the average home insurance cost is less than $1,000 in Hawaii, Delaware and Vermont. Meanwhile, states such as Oklahoma, Nebraska and Texas have average annual rates above $4,000.Here are annual and monthly average home insurance costs by state.StateAverage annual costAverage monthly costNational average$1,915$160Alabama$3,140 $262Alaska$1,160 $97Arizona$2,135 $178Arkansas$3,355 $280California$1,250 $104Colorado$3,820 $318Connecticut$1,575 $131Delaware$860$72Florida$2,625 $219Georgia$2,345 $195Hawaii$515$43Idaho$1,510 $126Illinois$2,060 $172Indiana$1,975 $165Iowa$2,215 $185Kansas$3,570 $298Kentucky$2,190 $183Louisiana$2,240 $187Maine$1,075 $90Maryland$1,700 $142Massachusetts$1,545 $129Michigan$1,785 $149Minnesota$2,375 $198Mississippi$3,475 $290Missouri$2,905 $242Montana$2,605 $217Nebraska$4,135 $345Nevada$1,290 $108New Hampshire$1,000 $83New Jersey$1,150 $96New Mexico$1,595 $133New York$1,715 $143North Carolina$1,975 $165North Dakota$2,445 $204Ohio$1,390 $116Oklahoma$5,495 $458Oregon$1,255 $105Pennsylvania$1,410 $118Rhode Island$2,070 $173South Carolina$2,250 $188South Dakota$2,810 $234Tennessee$2,435 $203Texas$4,400 $367Utah$1,140 $95Vermont$870$73Virginia$1,445 $120Washington$1,225 $102Washington, D.C.$1,190 $99West Virginia$1,600 $133Wisconsin$1,300 $108Wyoming$1,555 $130Here are the cheapest states for homeowners insurance:Hawaii: $515 a year, or about $43 a month, on average.Delaware: $860 a year, or about $72 a month, on average.Vermont: $870 a year, or about $73 a month, on average.New Hampshire: $1,000 a year, or about $83 a month, on average.Maine: $1,075 a year, or about $90 a month, on average.These are the most expensive states for homeowners insurance:Oklahoma: $5,495 a year, or about $458 a month, on average.Texas: $4,400 a year, or about $367 a month, on average.Nebraska: $4,135 a year, or about $345 a month, on average.Colorado: $3,820 a year, or about $318 a month, on average.Kansas: $3,570 a year, or about $298 a month, on average.» MORE: The cheapest homeowners insuranceNews update: Homeowners insurance rates are rising especially quickly in certain parts of the country where disasters like tornadoes, hurricanes and wildfires are growing more common. Last year, a record-breaking 28 disasters caused at least $1 billion each in damages, according to the National Oceanic and Atmospheric Administration[0]National Oceanic and Atmospheric Administration. U.S. struck with historic number of billion-dollar disasters in 2023.View all sources. See how to protect your home from climate change.How much is homeowners insurance in your city?We analyzed prices in 20 of the largest metropolitan areas in the U.S. to find the average homeowners insurance cost in each city. Houston had the most expensive average rate at $6,610 a year. Meanwhile, San Jose, California, was the cheapest city on the list, with an average annual rate of $1,055.CityAverage annual costAverage monthly costAtlanta$2,470 $206Austin$2,840 $237Chicago$2,665 $222Dallas$5,045 $420Denver$4,235 $353Fort Worth, Texas$5,335 $445Houston$6,610 $551Indianapolis$2,060 $172Las Vegas$1,360 $113Los Angeles$1,485 $124Miami$5,315 $443Minneapolis$2,515 $210New York$2,495 $208Orlando$2,760 $230Philadelphia$1,910 $159Phoenix$2,560 $213San Antonio$3,590 $299San Diego$1,205 $100San Jose, California$1,055 $88Seattle$1,185 $99Average homeowners insurance cost by companyWe looked at average rates from some of the largest homeowners insurance companies in the U.S. by market share.State Farm came in as the cheapest widely available company on the list, with an average annual rate of $1,935. (Military insurer USAA had even less expensive policies at $1,875 per year, on average.) Meanwhile, Farmers was the most expensive, with an average annual rate of $2,415.Here are average annual home insurance rates for some of the largest companies. Note that some may not offer homeowners insurance in your state. Click on each company’s name to read our review.CompanyAverage annual costAverage monthly costState Farm$1,935 $161Travelers$2,010 $168Allstate$2,205 $184Nationwide$2,270 $189American Family$2,300 $192Farmers$2,415 $201USAA*$1,875 $156*USAA homeowners insurance is available only to active-duty military, veterans and their families.» MORE: The best homeowners insuranceAverage home insurance cost by dwelling coverage amountOne of the biggest factors in how much your homeowners policy costs is how much dwelling coverage you need. Dwelling coverage is the part of your policy that pays to rebuild the structure of your home if it’s damaged or destroyed.If your house is large or has high-end features, it’ll cost more to rebuild and you’ll need more dwelling coverage. Below are average home insurance costs for four amounts of coverage.Dwelling coverage amountAverage annual insurance cost$200,000$1,420$300,000$1,915$400,000$2,405$500,000$2,935Average homeowners insurance cost by claims historyIf you have previous homeowners insurance claims, you’ll likely pay a higher rate. Here’s how filing a claim could affect your homeowners insurance costs.Number of claimsAverage annual insurance cost0$1,9151$2,090Average homeowners insurance cost by home ageOlder homes often cost more to insure than new ones because they typically don’t have the safety features that newer homes do, and repairs can be costly. See below to compare the average annual cost of insuring a new home versus an older home. (Coverage limits were the same for all three houses.)Date home was builtAverage annual insurance cost1955$1,9101984$1,9152023$1,130What does a home insurance rate include?Homeowners insurance policies typically include six standard types of coverage.Dwelling coverage pays for damage to your home from a covered event, such as a fire or windstorm.Other structures coverage pays to repair or replace structures on your property that aren't attached to your house, such as a fence or shed.Personal property coverage pays for stolen or damaged belongings.Loss of use, or additional living expenses coverage, pays for you to stay elsewhere when your home is uninhabitable due to covered damage.Personal liability coverage pays if you accidentally injure someone or damage their property.Medical payments coverage pays medical bills for anyone injured on your property, no matter who's at fault.» MORE: What does homeowners insurance cover?How to reduce the cost of homeowners insuranceInsurers use a variety of factors to set homeowners insurance rates. For example, you might pay more if you live in a neighborhood with a high crime rate or an area prone to hurricanes. You’ll also have higher rates if you have a larger home that needs more coverage.Did you know...Inflation doesn't just affect gas and food prices. Homeowners insurance rates are also going up because it's gotten more expensive to repair and rebuild houses after they're damaged. That's why you may see a higher homeowners premium at your next renewal, even if you haven't filed any recent claims.Some insurers will charge more for things like installing a swimming pool or having a dog breed they consider aggressive. (They see these scenarios as potential liability claims if someone gets hurt.)Aside from selling your house or getting rid of your furry pal, there are many ways to reduce what you pay for homeowners insurance.Shop aroundGetting home insurance quotes annually is the best way to ensure you’re still getting the best possible deal. We recommend comparing rates from at least three companies. Make sure the coverage limits and deductibles are similar on all three policies to get a fair comparison.If you're not up for shopping around yourself, contact an independent agent or broker to get quotes on your behalf.Raise your deductibleA higher home insurance deductible will mean a lower rate. Raising your deductible from $1,000 to $2,500 can save you more than 12% a year on average, according to NerdWallet’s rate analysis. Make sure you have enough cash tucked away to pay it if you need to file a claim.Ask about discountsMany insurers offer discounts to help customers get lower homeowners insurance rates, such as:Multiple policies. If you bundle your homeowners insurance with another policy, such as car insurance, you could get a discount. See the best home and auto bundles.Safety and security devices. You could save money by equipping your home with fire alarms, deadbolts, security cameras and other protective devices. Some companies also offer discounts for certain smart-home devices.Claims-free. Many insurers offer a discount to homeowners who haven’t filed a claim recently, typically in the past three to five years.» MORE: How to shop for homeowners insuranceUpgrade your homeCertain renovations — such as updating an electrical or plumbing system — could lower homeowners insurance costs. Getting a new roof could also net you a discount, especially if it’s resistant to wind and/or hail.Build your creditIn most states, insurers can use your credit-based insurance score (similar to your FICO score) to set rates. Because some studies have shown a correlation between poor credit and filing claims, those with a checkered credit history may pay more for homeowners insurance.For example, the sample homeowner in our rate analysis has good credit and would pay $1,915 a year for insurance, on average. For the same house and coverage limits, a homeowner with poor credit would pay $3,320, on average — a 73% jump. Though it may take time, building your credit could save you a lot on homeowners insurance over the long run.Using credit to set homeowners, renters, condo and mobile home insurance prices is not allowed in California, Maryland and Massachusetts.» MORE: How your credit score affects homeowners insuranceGet home insurance quotes in minutesAnswer a few questions to see custom quotes and find the right policy for you.Get StartedFind the best homeowners insurance in your stateAlabama home insuranceAlaska home insuranceArizona home insuranceArkansas home insuranceCalifornia home insuranceColorado home insuranceConnecticut home insuranceDelaware home insuranceFlorida home insuranceGeorgia home insuranceHawaii home insuranceIdaho home insuranceIllinois home insuranceIndiana home insuranceIowa home insuranceKansas home insuranceKentucky home insuranceLouisiana home insuranceMaine home insuranceMaryland home insuranceMassachusetts home insuranceMichigan home insuranceMinnesota home insuranceMississippi home insuranceMissouri home insuranceMontana home insuranceNebraska home insuranceNevada home insuranceNew Hampshire home insuranceNew Jersey home insuranceNew Mexico home insuranceNew York home insuranceNorth Carolina home insuranceNorth Dakota home insuranceOhio home insuranceOklahoma home insuranceOregon home insurancePennsylvania home insuranceRhode Island home insuranceSouth Carolina home insuranceSouth Dakota home insuranceTennessee home insuranceTexas home insuranceUtah home insuranceVermont home insuranceVirginia home insuranceWashington home insuranceWashington, D.C. home insuranceWest Virginia home insuranceWisconsin home insuranceWyoming home insurance» MORE: The average cost of condo insuranceFrequently asked questionsWhy is home insurance so expensive?Your homeowners insurance might cost more than expected if your home is older, your region is at high risk for natural disasters or you have poor credit, among other factors. Insurers are also raising rates because climate change is making certain types of disasters more severe. But every insurance company prices policies a little differently. So if you’re unhappy with your rate, get quotes from at least three other companies to see whether you can find a better deal.How can I save money on homeowners insurance?Most carriers offer discounts if you buy more than one policy or if you safeguard your home with a burglar alarm or sprinkler system. Opting for a higher deductible can also save you money, as long as it’s an amount you could cover in a disaster.Is home insurance cheaper if you pay yearly?Some companies offer discounts if you pay your premium in full upfront rather than in monthly installments.Why is home insurance so expensive?Your homeowners insurance might cost more than expected if your home is older, your region is at high risk for natural disasters or you have poor credit, among other factors. Insurers are also raising rates because climate change is making certain types of disasters more severe. But every insurance company prices policies a little differently. So if you’re unhappy with your rate, get quotes from at least three other companies to see whether you can find a better deal.How can I save money on homeowners insurance?Most carriers offer discounts if you buy more than one policy or if you safeguard your home with a burglar alarm or sprinkler system. Opting for a higher deductible can also save you money, as long as it’s an amount you could cover in a disaster.Is home insurance cheaper if you pay yearly?Some companies offer discounts if you pay your premium in full upfront rather than in monthly installments.About the authorSarah SchlichterFollowYou’re following Sarah SchlichterVisit your My NerdWallet Settings page to see all the writers you're following.newFollow for more nerdy know-howKeep up with your favorite financial topics on NerdWallet.Sarah is a NerdWallet authority on homeowners, renters and pet insurance. Her work has appeared in numerous outlets, including The Associated Press, MarketWatch and The Washington Post. Read moreMethodologyTo find the average cost of homeowners insurance, NerdWallet calculated the median rate for 40-year-old homeowners from a variety of insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:$300,000 in dwelling coverage.$30,000 in other structures coverage.$150,000 in personal property coverage.$60,000 in loss of use coverage.$300,000 in liability coverage.$1,000 in medical payments coverage.We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.We used the same assumptions for all other homeowner profiles, with the following exceptions:For homeowners with a claims history, we added a single wind damage claim.To see the effect of changing your deductible, we raised the deductible from $1,000 to $2,500.For homeowners with older homes, we changed the year the house was built to 1955.For homeowners with newer homes, we changed the year the house was built to 2023.We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for homeowners with poor credit. In states where credit isn’t taken into account, we only used rates for “good” credit.To see the effect of changing your dwelling coverage amount, we changed the limit to $200,000, $400,000 or $500,000. This also changed some of the other coverage limits that were tied to the dwelling coverage amount. For example, the other structures coverage limit is typically 10% of the dwelling coverage amount, so our sample policy with $200,000 of dwelling coverage had $20,000 of other structures coverage.These are sample rates generated through Quadrant Information Services. Your own rates will be different.On a similar note...Free homeowners insurance comparisonCompare top home insurance companies.Get started 9 Ways to Lower Homeowners Insurance RatesHome Insurance Calculator: Estimate Your CostsHow Much Home Insurance Do You Need?What Is Homeowners Insurance?Dive even deeper in Insurance6 Best Homeowners Insurance Companies of August 2024by Sarah SchlichterChubb, NJM and Country Financial earned the highest ratings in NerdWallet's analysis.Read moreThe Cheapest Home Insurance for 2024by Sarah SchlichterAmong large insurers, Progressive has the cheapest annual home insurance on average at $1,815, according to NerdWallet's analysis.Read moreNerdWallet’s Homeowners Insurance Reviews for 2024by NerdWalletNerdWallet has researched the top home insurance companies and compiled the results. 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And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.6 Best Life Insurance Companies for Seniors in August 2024Guardian, MassMutual and Northwestern Mutual top our list of the best life insurance companies for seniors.Updated Aug 1, 2024Written by Georgia RoseLead WriterGeorgia RoseLead Writer | Finance, technology, scienceGeorgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated Press. Throughout her career, Georgia has written on a variety of subjects, including personal finance, government policy, science and technology. She enjoys researching complex topics and distilling the information for her readers. Before joining the international team, she wrote for the insurance vertical, specializing in life insurance. Learn More+ more Edited by Lisa GreenAssigning Editor Lisa GreenAssigning Editor | Insurance, data journalismLisa Green leads the life insurance team and oversees insurance-focused data journalism at NerdWallet. A professional journalist since high school, she was an insurance writer at NerdWallet before becoming an assigning editor. Previously, Lisa spent more than 20 years as an editor at The Tennessean in Nashville, where she led business and consumer coverage for several years. At The Tennessean, she was part of a 2011 Pulitzer Prize finalist team for coverage of devastating floods in Middle Tennessee. Her work has also won awards from the Society for Advancing Business Editing and Writing, Investigative Reporters and Editors, and the Society of Professional Journalists. Lisa is an alumna of the Wharton Seminars for Business Journalists at the University of Pennsylvania. She has also studied data journalism with the National Institute for Computer-Assisted Reporting, business editing with the American Press Institute and writing, editing and news research with the Poynter Institute. In addition to her work at NerdWallet, Lisa is a real estate investor and has taught a seminar on how to earn college scholarships. She is based in Nashville. Learn MoreFact Checked+ more Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Follow the writerYou’re following Georgia RoseVisit your My NerdWallet Settings page to see all the writers you're following.MORE LIKE THISLife insurance providersLife insurance policy typesManaging life insuranceBuying life insuranceInsuranceLife InsuranceJust because you’re older doesn’t mean you can’t find a life insurance policy that meets your needs. The cost of coverage can increase with age, but many insurers will accommodate older adults, even if they're not in the best of health. To put together this list, NerdWallet reviewed insurers that offer term or whole life policies to seniors, taking into account our star ratings for each company, as well as policy features like the maximum issue age. Here are our top picks.» MORE: A guide to buying life insurance for seniorsLoadingLoadingThe best life insurance for seniors in August 2024CompanyMaximum issue ageGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 75.Whole: 90.MassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 75.Whole: 90.Northwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 70.Whole: 85.New York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 75.Whole: 90.State Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 75.Whole: 80.USAA4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Term: 70.Whole: 85.NerdWallet rates insurers at the company level, not the policy level.Best life insurance for seniors in August 2024Learn more about each company in our list by reading the brief summaries below and checking out the NerdWallet review links.Jump to:Guardian Life: Best for payment flexibility.MassMutual: Best for elderly applicants.Northwestern Mutual: Best for the potential to earn dividends.New York Life: Best coverage range.State Farm: Best for customer satisfaction.USAA: Best for coverage flexibility.Best for payment flexibilityGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Depending on your age, you may have the option to pay off your whole life policy in 10, 15 or 20 years.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.With few complaints and flexible payment options, Guardian Life is a smart coverage choice for many seniors. It sells whole life policies to applicants up to age 90 and term policies up to age 75.Best for payment flexibilityCOMPARE QUOTESon NerdwalletGuardian Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Depending on your age, you may have the option to pay off your whole life policy in 10, 15 or 20 years.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.With few complaints and flexible payment options, Guardian Life is a smart coverage choice for many seniors. It sells whole life policies to applicants up to age 90 and term policies up to age 75.ProsDrew significantly fewer complaints to state regulators than expected for a company its size.Offers unique coverage options, such as survivorship insurance and policies for HIV-positive applicants.ConsMinimal policy details on the site.Overview: Guardian also offers whole life policies that are paid up by age 65, 95, 99 and 121. If you’re looking for other types of permanent coverage, you may want to consider Guardian’s universal and variable universal life products, which are issued up to age 85.Guardian senior life insurance policy detailsPolicy type: Term.Max issue age: 75 (1-year and 10-year terms), 70 (15-year term), 65 (20-year term).Coverage: $100,000+Policy type: Whole.Max issue age: 90.Coverage: $25,000+» Read the full review: Guardian Life insurance review↑ Back to topBest for elderly applicantsMassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Few providers issue whole life products to applicants over age 85, which makes this insurer a good bet for older seniors looking for permanent coverage. COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.If you’re looking for term life insurance with generous coverage, MassMutual could be right for you. It doesn’t place a limit on how much term insurance you can get, and issues coverage to applicants up to age 75. You can also buy whole life insurance up to age 90.Best for elderly applicantsCOMPARE QUOTESon NerdwalletMassMutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Few providers issue whole life products to applicants over age 85, which makes this insurer a good bet for older seniors looking for permanent coverage. overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.If you’re looking for term life insurance with generous coverage, MassMutual could be right for you. It doesn’t place a limit on how much term insurance you can get, and issues coverage to applicants up to age 75. You can also buy whole life insurance up to age 90.ProsWide range of term and permanent life insurance policies.Supports online claims.ConsMost policies require a medical exam.Overview: With MassMutual, there’s no limit to how much term life coverage you can buy (subject to restrictions). You may find this appealing if you’re looking for a substantial payout for your life insurance beneficiaries.MassMutual senior life insurance policy detailsPolicy type: Term.Max issue age: 75.Coverage: $100,000+.Policy type: Whole.Max issue age: 90.Coverage: $25,000+.» Read the full review: MassMutual life insurance review↑ Back to topBest for the potential to earn dividendsNorthwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: With far fewer complaints than expected for a company of its size, Northwestern Mutual is a trustworthy choice. COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.Consistently pays a dividend to eligible customers, which is common among mutual life insurance companies.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.The largest insurer in the U.S., Northwestern Mutual boasts high customer satisfaction scores and has consistently paid out dividends each year to its permanent policyholders. Term and whole life coverage is available for applicants up to age 70 and 85, respectively.Best for the potential to earn dividendsCOMPARE QUOTESon NerdwalletNorthwestern Mutual5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: With far fewer complaints than expected for a company of its size, Northwestern Mutual is a trustworthy choice. overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Far fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.Consistently pays a dividend to eligible customers, which is common among mutual life insurance companies.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.The largest insurer in the U.S., Northwestern Mutual boasts high customer satisfaction scores and has consistently paid out dividends each year to its permanent policyholders. Term and whole life coverage is available for applicants up to age 70 and 85, respectively.ProsFar fewer complaints to state regulators than expected for a company its size.Highly rated for customer satisfaction in J.D. Power study.ConsCompany website doesn’t give specifics about coverage amounts or riders.Limited riders available.Overview: Northwestern Mutual's whole life policyholders may be eligible to receive dividends, which the company has paid out consistently since 1872.Northwestern Mutual senior life insurance policy detailsPolicy type: Term.Max issue age: 70.Coverage: $100,000+.Policy type: Whole.Max issue age: 85.Coverage: $50,000+.» Read the full review: Northwestern Mutual life insurance review↑ Back to topBest coverage rangeNew York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: New York Life offers both term and whole life policies that span a significant range of coverage. COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.With many insurers, coverage for seniors is often capped at comparatively low amounts. However, New York Life offers coverage from $25,000 to over $1 million and issues policies for applicants up to age 75 for term and age 90 for whole life insurance.Best coverage rangeCOMPARE QUOTESon NerdwalletNew York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: New York Life offers both term and whole life policies that span a significant range of coverage. overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term & permanentProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.With many insurers, coverage for seniors is often capped at comparatively low amounts. However, New York Life offers coverage from $25,000 to over $1 million and issues policies for applicants up to age 75 for term and age 90 for whole life insurance.ProsRanks above average in J.D. Power’s latest customer satisfaction study for life insurance.Drew fewer complaints to state regulators than typically expected for a company of its size.ConsQuotes aren't available online.Overview: Depending on your needs and policy type, you can select payout amounts anywhere from $25,000 to well into the millions.New York Life senior life insurance policy detailsPolicy type: Term.Max issue age: 75 (1- and 10-year terms) and 65 (15- and 20-year terms).Coverage: $100,000+.Policy type: Whole.Max issue age: 90.Coverage: $25,000+ (for applicants ages 18 and over).» Read the full review: New York Life insurance review↑ Back to topBest for customer satisfactionState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: If you’re looking for a company with a great reputation, State Farm ranked first out of 22 companies for overall customer satisfaction in J.D. Power’s 2023 U.S. Individual Life Insurance Study.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.State Farm stands out for its exceptional customer service, few complaints and customizable coverage, making it an ideal choice for seniors who want a say in managing their policies. If you’re in the market for term life insurance, you can buy a policy up to age 75 for term insurance.Best for customer satisfactionCOMPARE QUOTESon NerdwalletState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: If you’re looking for a company with a great reputation, State Farm ranked first out of 22 companies for overall customer satisfaction in J.D. Power’s 2023 U.S. Individual Life Insurance Study.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.State Farm stands out for its exceptional customer service, few complaints and customizable coverage, making it an ideal choice for seniors who want a say in managing their policies. If you’re in the market for term life insurance, you can buy a policy up to age 75 for term insurance.ProsRanked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.Overview: State Farm offers its customers broad, customizable coverage. For instance, you can add more coverage for yourself or another person through a term rider. This can be useful if you need to buy a small amount of coverage for a partner but don’t want to purchase a separate policy. State Farm senior life insurance policy detailsPolicy type: Term.Max issue age: 75 (10-year term), 65 (20-year term).Coverage: $100,000+.Policy type: Whole.Max issue age: Varies by policy (80 for final expense whole life).Coverage: $10,000+.» Read the full review: State Farm life insurance review↑ Back to topBest for coverage flexibilityUSAA4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: USAA allows you to convert your term policy to permanent coverage before it expires, which can be useful if you think you’ll want lifelong coverage at a later date.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsHad fewer than the expected number of complaints compared to other companies.Some policies include free perks for military personnel, such as a $25,000 severe injury payment.Option to add $100,000 coverage to its term life policy after a major life event.ConsSome policies not available in New York or Montana.USAA life insurance is available to both military members and civilians, unlike other products it sells. Seniors can buy a term policy up to age 70 and whole insurance up to age 85. Plus, USAA offers a guaranteed issue policy, which lets you skip the health questionnaire and medical exam. Best for coverage flexibilityCOMPARE QUOTESon NerdwalletUSAA4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: USAA allows you to convert your term policy to permanent coverage before it expires, which can be useful if you think you’ll want lifelong coverage at a later date.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsHad fewer than the expected number of complaints compared to other companies.Some policies include free perks for military personnel, such as a $25,000 severe injury payment.Option to add $100,000 coverage to its term life policy after a major life event.ConsSome policies not available in New York or Montana.USAA life insurance is available to both military members and civilians, unlike other products it sells. Seniors can buy a term policy up to age 70 and whole insurance up to age 85. Plus, USAA offers a guaranteed issue policy, which lets you skip the health questionnaire and medical exam. ProsHad fewer than the expected number of complaints compared to other companies.Some policies include free perks for military personnel, such as a $25,000 severe injury payment.Option to add $100,000 coverage to its term life policy after a major life event.ConsSome policies not available in New York or Montana.Overview: For anyone looking to skip the medical exam, USAA offers a guaranteed issue policy, underwritten by Mutual of Omaha. You’re not required to answer any health questions or take a life insurance medical exam to qualify for coverage. Plus, unlike some of its other financial products, the company’s life insurance isn't limited to military families.USAA senior life insurance policy detailsPolicy type: Term.Max issue age: 70.Coverage: $100,000 to $10 million.Policy type: Whole.Max issue age: 85.Coverage: $25,000 to $10 million.» Read the full review: USAA life insurance review↑ Back to topFind the right life insurance plan for youMake sure you and your loved ones are covered - compare customized life insurance quotes from our partners.Compare on NerdWalletHow we ranked the top life insurersNerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.How we review life insurance companiesIn our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:Policies offered. There are many types of life insurance on the market, and they fall into three key categories:Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.No-exam life insurance issues coverage without the need for a medical exam.Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:Exceptional: A+, A++.Strong: A-, A.Moderate: B, B+.Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.Dive deeper: Ratings methodology for life insuranceOther life insurance options for seniorsIf you can’t find a traditional term or whole life policy, there are some alternatives to consider, such as guaranteed issue life insurance. These policies don't require a life insurance medical exam, and acceptance is guaranteed.» MORE: The best life insurance companiesAlternatively, you may want to look at burial insurance, sometimes referred to as final expense insurance. These are small whole life policies that can help cover end-of-life costs like funeral expenses.More about buying life insurance as a seniorA guide to buying life insurance for seniors Life insurance options in your 60s and 70s Average life insurance ratesBest no medical exam life insurance policiesMore about top-rated life insurance companiesLooking for a specific type of life insurance policy? Check out NerdWallet’s top picks across these categories:Best life insurance companies.Best term life insurance companies.Best whole life insurance companies.Best burial life insurance companies.Best instant life insurance.Best no-medical exam life insurance.Best return-of-premium life insurance.Best life insurance for children.Best accidental death and dismemberment insurance.Cheapest life insurance companies.Largest life insurance companies. About the authorGeorgia RoseFollowYou’re following Georgia RoseVisit your My NerdWallet Settings page to see all the writers you're following.newFollow for more nerdy know-howKeep up with your favorite financial topics on NerdWallet.Georgia Rose is a lead writer for NerdWallet and oversees our content on shopping for life insurance. Her work has been featured in The New York Times, The Washington Post, The Independent and ABC News. Read moreOn a similar note...Compare term life insurance ratesGet free quotes from top companies.Compare rates Compare Life Insurance Quotes7 Best Life Insurance Companies in August 2024Term Life vs. Whole Life Insurance: Key Differences and How To ChooseAverage Life Insurance Rates for August 2024Dive even deeper in InsuranceCompare Life Insurance Quotesby Georgia RoseRead moreLife Insurance Policies and Quotes for August 2024by Georgia RoseA life insurance policy pays out a sum of money to your beneficiaries after you die.Read more7 Best Term Life Insurance Companies in August 2024by Georgia RoseGuardian and MassMutual top our list of the best term life insurance companies in 2024.Read moreExplore InsuranceGet more smart money moves – straight to your inboxSign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.Sign up NerdWallet Home PageFinance SmarterBankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsInsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansAuto LoansStudent LoansMortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesIncome TaxesInvestment TaxesPersonal TaxesTravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceBankingExplore BankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsExplore Credit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningExplore Financial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsExplore Financial NewsInsuranceExplore InsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingExplore InvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansExplore LoansAuto LoansStudent LoansMortgagesExplore MortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessExplore Small BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesExplore TaxesIncome TaxesInvestment TaxesPersonal TaxesTravelExplore TravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceaboutCompanyLeadershipCareersCorporate impactDiversity & InclusionEditorial guidelinesStar rating methodologiesEditorial teamNewsPress kitInvestorshelpHelp centerSupport teamCommunitySecurity FAQslegalTerms of useSupplier Code of ConductPrivacy policyCalifornia privacy policyPrivacy preferencesDo not sell or share my personal informationLearn more about the appDownload the appDisclaimer: NerdWallet strives to keep its information accurate and up to date. 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And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.5 Best Burial Insurance Companies of August 2024Pay for your own funeral and burial costs with a final expense policy from one of our top-rated insurers.Aug 1, 2024Written by Katia IervasiAssistant Assigning EditorKatia IervasiAssistant Assigning Editor | Life insurance, disability insurance, health careKatia Iervasi is an assistant assigning editor at NerdWallet. An insurance authority, she previously spent over six years covering insurance topics as a writer, where she loved untangling complicated topics and answering readers’ burning money questions. She holds a Bachelor of Arts in communication and has studied writing, fact-checking and editing with Poynter. Her writing and analysis has been featured in The Washington Post, Forbes, Yahoo, Entrepreneur, Best Company and FT Advisor. Originally from Sydney, Australia, Katia currently lives in New York City. Learn More+ more Edited by Erica CorbinAssistant Assigning Editor Erica CorbinAssistant Assigning EditorErica Corbin joined NerdWallet in 2020 as an assistant assigning editor at large. She previously wrote and edited content at companies such as GOBankingRates and Nasdaq. Her work has been syndicated to USA Today, Yahoo Finance, MSN and more. She also has worked as a freelance writer and editor for over a decade for various clients and publications across industries, with particular emphasis on entertainment reporting. Erica believes that money, like most topics, is best discussed with understanding, transparency and a healthy dose of humor. Learn MoreFact Checked+ more Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.If you want to buy life insurance purely to cover your funeral costs, medical bills and other end-of-life expenses, look into burial insurance. Also known as final expense insurance, these policies are designed for seniors who need only a small amount of coverage, and not all insurers offer them.To narrow down the list of the best burial insurance policies, our experts analyzed policy features, age and state availability, and added value — such as free life insurance riders. We also looked at payment options and the amount of coverage you can buy, which typically starts at $1,000 and maxes out at $50,000 for this type of life insurance.» MORE: Is burial insurance worth it?The best burial insurance in August 2024InsurerNerdWallet ratingAge eligibilityState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 45 to 80 (50 to 75 in NY).AARP/New York Life5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 50 to 80 (50 to 75 in NY).American Family4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 50 to 80.Mutual of Omaha3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 45 to 85 (50 to 75 in NY).Ethos3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.Issue age: 65 to 85.NerdWallet rates insurers at the company level, not the policy level. This means our star rating reflects the company as a whole, and not its burial insurance policy specifically.» MORE: Best life insurance companies in 2024Best burial life insurance policies for 2024Learn more about each company in our list by reading the brief summaries below and checking out the NerdWallet review links.Jump to:State Farm: Best for customer satisfactionAARP/New York Life: Best for low consumer complaintsAmerican Family: Best for bundlingEthos: Best for instant coverageMutual of Omaha: Best for accessibilityBest for customer satisfactionState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: If reliable support is a top priority for you, State Farm has an excellent reputation for customer service.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.State Farm consistently receives high marks for customer service and offers burial insurance for applicants up to age 80 in most states.Best for customer satisfactionCOMPARE QUOTESon NerdwalletState Farm5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: If reliable support is a top priority for you, State Farm has an excellent reputation for customer service.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsDrew fewer life insurance complaints to state regulators than expected for a company of its size.Ranked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.State Farm consistently receives high marks for customer service and offers burial insurance for applicants up to age 80 in most states.ProsRanked first in J.D. Power’s latest customer satisfaction study for life insurance.Broad range of term products, including instant answer life insurance.ConsLife insurance policies not available in Massachusetts.Some restrictions for Android smartphones when accessing policy details through online portal.Company overview: State Farm consistently ranks No. 1 in J.D. Power’s annual customer satisfaction study for individual life insurance.State Farm’s burial insurance policy earns cash value over time, and once you’ve accumulated enough, you can take out loans or withdraw money from that fund during your lifetime. Since State Farm is a mutual company, your policy might also pay out dividends based on the insurer’s financial performance. State Farm burial insurance policy detailsPolicy name: Guaranteed Issue Final Expense Life Insurance (known as $10,000 Whole Life in New York).Eligibility age range: 45 to 80 (50 to 75 in New York).Coverage amount: $10,000 ($15,000 in some states).Availability: All states. Note: State Farm isn’t offering policies to new customers in Massachusetts or Rhode Island.» Read the full review: State Farm life insurance review ↑ Back to topBest for low consumer complaintsAARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: AARP’s policy is available to its members and their spouses, and the insurer has a relatively low complaint volume for a company of its size.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.AARP attracts minimal complaints and offers burial insurance through a partnership with New York Life, one of the nation’s biggest life insurers. However, only AARP members and their spouses are eligible.Best for low consumer complaintsCOMPARE QUOTESon NerdwalletAARP5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: AARP’s policy is available to its members and their spouses, and the insurer has a relatively low complaint volume for a company of its size.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.AARP attracts minimal complaints and offers burial insurance through a partnership with New York Life, one of the nation’s biggest life insurers. However, only AARP members and their spouses are eligible.ProsNo medical exams required.Fewer than the expected number of complaints to state regulators.Anyone age 50 and up can get access through AARP membership.ConsTerm life insurance premiums rise every five years.Company overview: Open to AARP members as part of a partnership with New York Life, this policy is a type of group life insurance. You’re guaranteed to be accepted as long as you’re an AARP member who meets the age requirements, and coverage typically lasts your entire life. In most states, AARP also allows members’ spouses who are 45 to 80 to apply for a policy. In New York, the age eligibility for spouses is slightly different: 50 to 75.AARP burial insurance policy detailsPolicy name: Guaranteed Acceptance Life Insurance.Eligibility age range: 50 to 80 (50 to 75 in NY).Coverage amount: Up to $25,000. You may be able to request a higher coverage amount by calling New York Life on 1-800-607-6957.Availability: Not available in all states. Non-members in Arkansas, Louisiana and Oregon may not be eligible.» Read the full review: AARP/New York Life insurance review↑ Back to topBest for bundlingAmerican Family Life Insurance4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: American Family allows you to bundle life insurance with other insurance products and possibly save money on the latter.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.StrongOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsFewer customer complaints than expected for a company its size.Offers a variety of term and whole life options.ConsNot available in all states.If you’re looking to buy other insurance products alongside burial coverage, you may want to consider American Family. The company offers a discount for bundling certain types of insurance and has fewer complaints than expected compared to similar sized insurers.Best for bundlingCOMPARE QUOTESon NerdwalletAmerican Family Life Insurance4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: American Family allows you to bundle life insurance with other insurance products and possibly save money on the latter.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.StrongOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsFewer customer complaints than expected for a company its size.Offers a variety of term and whole life options.ConsNot available in all states.If you’re looking to buy other insurance products alongside burial coverage, you may want to consider American Family. The company offers a discount for bundling certain types of insurance and has fewer complaints than expected compared to similar sized insurers.ProsFewer customer complaints than expected for a company its size.Offers a variety of term and whole life options.ConsNot available in all states.Company overview: American Family received fewer complaints to state regulators for a company of its size, making it a trustworthy choice. The company sells a range of insurance products, including vehicle insurance, property insurance and business insurance. In some cases, you can bundle your policies and save money. American Family burial insurance policy detailsPolicy name: DreamSecure Senior Whole Life Insurance.Eligibility age range: 50 to 80.Coverage amount: $10,000 or $15,000.Availability: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, Nevada, North Carolina, North Dakota, Ohio, Oregon, South Carolina, South Dakota, Texas, Utah, Virginia, Washington and Wisconsin.» Read the full review: American Family insurance review↑ Back to topBest for instant coverageEthos3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: You can be approved within minutes of applying and coverage starts as soon as you make your first payment.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.StrongOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exam required.Fully digital application.Offers both term and whole life insurance online.ConsNo live chat feature, which is unusual for insurtechs.Can't customize coverage with riders.Ethos is one of the few insurers that offers instant coverage for burial insurance if you qualify. Applicants can get up to $30,000 in coverage instantly after paying their first premium. Ethos sells coverage in all states, except New York.Best for instant coverageCOMPARE QUOTESon NerdwalletEthos3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: You can be approved within minutes of applying and coverage starts as soon as you make your first payment.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.StrongOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.YesNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Fewer than expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsNo medical exam required.Fully digital application.Offers both term and whole life insurance online.ConsNo live chat feature, which is unusual for insurtechs.Can't customize coverage with riders.Ethos is one of the few insurers that offers instant coverage for burial insurance if you qualify. Applicants can get up to $30,000 in coverage instantly after paying their first premium. Ethos sells coverage in all states, except New York.ProsNo medical exam required.Fully digital application.Offers both term and whole life insurance online.ConsNo live chat feature, which is unusual for insurtechs.Can't customize coverage with riders.Company overview: Ethos’ whole life application takes five minutes to complete and coverage goes into effect once you pay the first premium, making this policy ideal for those who need a policy quickly. You don't need to take a life insurance medical exam. You stop paying premiums at age 100, and the coverage stays intact.Ethos burial insurance policy detailsPolicy name: Guaranteed Issue Whole Life.Eligibility age range: 65 to 85.Coverage amount: $10,000 to $25,000.Availability: Not available in New York.» Read the full review: Ethos life insurance review↑ Back to topBest for accessibilityMutual of Omaha3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Most burial insurance policies are open only to seniors 50 and older, but Mutual of Omaha allows 45-year-olds to buy coverage in all states but New York.COMPARE QUOTESon Nerdwalletoverviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Close to expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWhole life insurance available without a medical exam.Ranks highly in J.D. Power’s latest consumer satisfaction study.ConsClose to the expected number of complaints for life insurance for a company of its size.No online quotes for term life insurance.Mutual of Omaha stands out for selling burial insurance to applicants as young as 45 years old and for offering small policies starting at $2,000 ($5,000 in New York). If you need more coverage, you can get up to $25,000 in all states.Best for accessibilityCOMPARE QUOTESon NerdwalletMutual of Omaha3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.Bottom line: Most burial insurance policies are open only to seniors 50 and older, but Mutual of Omaha allows 45-year-olds to buy coverage in all states but New York.overviewpros & conswhy we picked itFinancial strength ratingThese ratings indicate an insurer’s ability to pay future claims.ExceptionalOnline purchaseThis indicates whether the company offers a way to apply for and purchase policies entirely online.NoNAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.Close to expectedPolicies offeredTerm policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.Term, permanent & no-examProsWhole life insurance available without a medical exam.Ranks highly in J.D. Power’s latest consumer satisfaction study.ConsClose to the expected number of complaints for life insurance for a company of its size.No online quotes for term life insurance.Mutual of Omaha stands out for selling burial insurance to applicants as young as 45 years old and for offering small policies starting at $2,000 ($5,000 in New York). If you need more coverage, you can get up to $25,000 in all states.ProsWhole life insurance available without a medical exam.Ranks highly in J.D. Power’s latest consumer satisfaction study.ConsClose to the expected number of complaints for life insurance for a company of its size.No online quotes for term life insurance.Company overview: Mutual of Omaha’s broad issue age range means people can get a policy at a younger age, when rates are likely to be cheaper. You can buy as little as $2,000 in coverage — making this option good for those who don’t need too much life insurance.The insurer says it pays roughly 80% of claims within 24 hours, which can help your loved ones cover your funeral costs and any other immediate expenses when you die.Mutual of Omaha burial insurance policy detailsPolicy name: Guaranteed Whole Life Insurance.Eligibility age range: 45 to 85 (50 to 75 in New York).Coverage amount: $2,000 to $25,000 ($5,000 to $25,000 in Washington).Availability: All states.» Read the full review: Mutual of Omaha life insurance review↑ Back to topFind the right life insurance plan for youMake sure you and your loved ones are covered - compare customized life insurance quotes from our partners.Compare on NerdWalletHow we ranked the top life insurersNerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.These ratings are a guide, but we encourage you to shop around and compare life insurance quotes from several companies to find the best rate for you. NerdWallet does not receive compensation for any reviews.How we review life insurance companiesIn our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:Policies offered. There are many types of life insurance on the market, and they fall into three key categories:Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.No-exam life insurance issues coverage without the need for a medical exam.Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:Exceptional: A+, A++.Strong: A-, A.Moderate: B, B+.Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.Dive deeper: Ratings methodology for life insuranceAlternatives to the best burial insuranceFinal expense policies are designed to help you cover the costs of your own funeral and burial, but they’re expensive and capped at small amounts so they don’t suit everyone. If you crunch the numbers and decide you need more life insurance, you can apply for a traditional term life insurance or permanent life insurance policy.» MORE: Best life insurance companies for seniorsMore about top-rated life insurance companiesLooking for a specific type of life insurance policy? Check out NerdWallet’s top picks across these categories:Best life insurance companies.Best term life insurance companies.Best whole life insurance companies.Best burial life insurance companies.Best life insurance for seniors.Best instant life insurance.Best no-medical exam life insurance.Best return-of-premium life insurance.Best life insurance for children.Best accidental death and dismemberment insurance.Largest life insurance companies.Life insurance ratings methodologyNerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.Insurer complaints methodologyNerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.Frequently asked questionsWhat is a burial insurance policy?Burial policies cover end-of-life expenses, like funerals or lingering medical bills. These policies are relatively small, usually in the $1,000 to $50,000 range, which means they have limited application beyond those final expense needs.How much is burial insurance?Burial insurance that doesn’t require a medical exam can be more expensive per dollar of coverage than many other life insurance policies. For instance, a healthy 50-year-old woman might pay about $360 a year for $10,000 in guaranteed issue life insurance, according to data from Choice Mutual, a brokerage specializing in burial insurance coverage. To compare, a $250,000 whole life policy would cost her about $4,740 — over ten times as much per year but for 25 times as much coverage.What is the cheapest burial insurance?The cheapest burial insurance will depend on your needs and health. While many policies can be issued with no medical questions or exams, they're usually much more expensive. The best way to get cheap life insurance coverage for any type of policy is to shop around.What is a burial insurance policy?Burial policies cover end-of-life expenses, like funerals or lingering medical bills. These policies are relatively small, usually in the $1,000 to $50,000 range, which means they have limited application beyond those final expense needs.How much is burial insurance?Burial insurance that doesn’t require a medical exam can be more expensive per dollar of coverage than many other life insurance policies. For instance, a healthy 50-year-old woman might pay about $360 a year for $10,000 in guaranteed issue life insurance, according to data from Choice Mutual, a brokerage specializing in burial insurance coverage. To compare, a $250,000 whole life policy would cost her about $4,740 — over ten times as much per year but for 25 times as much coverage.What is the cheapest burial insurance?The cheapest burial insurance will depend on your needs and health. While many policies can be issued with no medical questions or exams, they're usually much more expensive. The best way to get cheap life insurance coverage for any type of policy is to shop around.About the authorKatia IervasiFollowYou’re following Katia IervasiVisit your My NerdWallet Settings page to see all the writers you're following.newFollow for more nerdy know-howKeep up with your favorite financial topics on NerdWallet.Katia Iervasi is an assistant assigning editor and spokesperson at NerdWallet. An insurance authority, she previously spent over six years covering insurance topics as a writer, where she loved untangling complicated topics and answering readers’ burning money questions. She holds a Bachelor of Arts in communication and has studied writing, fact-checking and editing with Poynter. Her writing and analysis has been featured in The Washington Post, Forbes, Yahoo, Entrepreneur, Best Company and FT Advisor. Originally from Sydney, Australia, Katia currently lives in New York City. Read moreMethodologyCompare term life insurance ratesGet free quotes from top companies.Compare rates ON A SIMILAR NOTE...Compare Life Insurance Quotes7 Best Life Insurance Companies in August 2024Term Life vs. Whole Life Insurance: Key Differences and How To ChooseAverage Life Insurance Rates for August 2024DIVE EVEN DEEPER IN INSURANCECompare Life Insurance Quotesby Georgia RoseRead moreLife Insurance Policies and Quotes for August 2024by Georgia RoseA life insurance policy pays out a sum of money to your beneficiaries after you die.Read more7 Best Term Life Insurance Companies in August 2024by Georgia RoseGuardian and MassMutual top our list of the best term life insurance companies in 2024.Read moreExplore INSURANCEGet more smart money moves – straight to your inboxSign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.Sign up NerdWallet Home PageFinance SmarterBankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsInsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansAuto LoansStudent LoansMortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesIncome TaxesInvestment TaxesPersonal TaxesTravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceBankingExplore BankingCheckingSavingsPrepaid Debit CardsMoney TransferCDsBanking NewsCredit CardsExplore Credit CardsCredit Card BasicsStudent Credit CardsCash Back Credit CardsAirline Credit CardsLow Interest and No Fee Credit CardsFinancial PlanningExplore Financial PlanningPaying off debtCollege SavingsMaking MoneyCredit ScoreFinancial NewsExplore Financial NewsInsuranceExplore InsuranceAuto InsuranceHomeowners InsuranceLife InsuranceMedicareRenters InsurancePet InsuranceInvestingExplore InvestingRetirement PlanningRoth IRAEstate PlanningBrokers401kLoansExplore LoansAuto LoansStudent LoansMortgagesExplore MortgagesMortgage RatesMortgage ProcessHomeownershipHomeownership CostsSelling Your HomeHome AffordabilityProperty TaxesSmall BusinessExplore Small BusinessRunning Your BusinessSmall-Business LoansBusiness Credit CardsSmall-Business TaxesStarting a BusinessTaxesExplore TaxesIncome TaxesInvestment TaxesPersonal TaxesTravelExplore TravelVacations & Trip PlanningReward OptimizationsRental CarsTravel InsuranceaboutCompanyLeadershipCareersCorporate impactDiversity & InclusionEditorial guidelinesStar rating methodologiesEditorial teamNewsPress kitInvestorshelpHelp centerSupport teamCommunitySecurity FAQslegalTerms of useSupplier Code of ConductPrivacy policyCalifornia privacy policyPrivacy preferencesDo not sell or share my personal informationLearn more about the appDownload the appDisclaimer: NerdWallet strives to keep its information accurate and up to date. 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NMLS ID# 1617539NMLS Consumer Access|Licenses and DisclosuresCalifornia: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) Insurance LicensesNerdWallet™ | 55 Hawthorne St. - 10th Floor, San Francisco, CA 94105NerdWallet USA|NerdWallet UK|NerdWallet CA|NerdWallet AUNerdWallet CA|NerdWallet AU© 2024 NerdWallet, Inc.All Rights Reserved. | 5 Best Burial Insurance Companies of July 2023 | Advertiser disclosureYou’re our first priority.Every time.We believe everyone should be able to make financial decisions with confidence. ... | ... life insurance companies . Best term life insurance companies . Best whole life insurance companies . Best burial life insurance companies ... | NerdWallet | Katia Iervasi | United States | English |
https://www.nerdwallet.com/article/insurance/find-best-whole-life-insurance?trk_channel=web&trk_copy=5%20Best%20Whole%20Life%20Insurance%20Companies%20for%20July%202023&trk_element=hyperlink&trk_elementPosition=0&trk_location=PostList&trk_subLocation=tiles | " 6 Best Whole Life Insurance Companies in August 2024 - NerdWallet (...TRUNCATED) | 5 Best Whole Life Insurance Companies for July 2023 | "Advertiser disclosureYou’re our first priority.Every time.We believe everyone should be able to m(...TRUNCATED) | "Best life insurance companies . Best term life insurance companies . Best burial life insurance com(...TRUNCATED) | NerdWallet | Katia Iervasi | United States | English |
https://www.nerdwallet.com/article/insurance/best-term-life-insurance?trk_channel=web&trk_copy=8%20Best%20Term%20Life%20Insurance%20Companies%20in%20July%202023&trk_element=hyperlink&trk_elementPosition=1&trk_location=PostList&trk_subLocation=tiles | " 7 Best Term Life Insurance Companies in August 2024 - NerdWallet (...TRUNCATED) | 8 Best Term Life Insurance Companies in July 2023 | "Advertiser disclosureYou’re our first priority.Every time.We believe everyone should be able to m(...TRUNCATED) | "... life insurance companies . Best whole life insurance companies . Best burial life insurance com(...TRUNCATED) | NerdWallet | Georgia Rose | United States | English |
https://www.bgdailynews.com/sports/wku/crystal-kelly-joins-uk-staff/article_e3f96287-6d85-54af-992e-e2e40563a0ef.html | " Crystal Kelly j(...TRUNCATED) | Crystal Kelly joins UK staff | "Former Lady Topper standout Crystal Kelly was named an assistant coach at the University of Kentuck(...TRUNCATED) | "... State Farm Coaches. She also earned Sun Belt Conference Player of the Year accolades that seaso(...TRUNCATED) | Bowling Green Daily News | Daily News | United States | English |
https://www.forbes.com/advisor/banking/savings/rates/ | " Best High-Yield Savings Accounts Of August 2024: Up To 5.30% APY – Forbes Advisor (...TRUNCATED) | Best Savings Accounts Of July 2023 | "Savings account interest rates are rising. Use our ranking to find an account with one of the best (...TRUNCATED) | "... funds Vacations Down payments on automobiles Furniture or home improvement projects Weddings Ed(...TRUNCATED) | Forbes | Cassidy Horton | United States | English |
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A brief description of the dataset and its purpose.
Dataset Summary
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Languages
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Dataset Structure
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Data Fields
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Data Splits
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Dataset Creation
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from datasets import load_dataset
dataset = load_dataset("your_dataset_name")
# Example usage
print(dataset["train"][0])
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