Insurance
Homeowners insurance non-renewals are on the rise as private insurers steer clear of locations at high risk for natural disasters. Blazing wildfires are leaving many homeowners scrambling to find coverage in Western states, while people in Florida and Louisiana are facing non-renewals during hurricane season.Amid changing climate conditions and increasing weather-related catastrophes, having insurance coverage for your home can offer crucial peace of mind.Here’s how to cope with a homeowners insurance non-renewal.Get home insurance quotes in minutesAnswer a few questions to see custom quotes and find the right policy for you.The difference between cancellation and non-renewalHaving your insurance policy canceled…
Medicare beneficiaries should prepare for higher costs and fewer choices in 2026. Rising Medicare Part B premiums will affect all members. Meanwhile, some people will also face plan cancellations and shrinking options for prescription drug coverage.What you pay for Medicare will likely change next year, and so might your coverage. It’s crucial to plan ahead so you can make any necessary adjustments to your coverage during open enrollment, which runs until Dec. 7. Here’s what to expect from Medicare in 2026.Medicare Part B costs will go upMedicare Part B, which covers medical and preventive care like doctor’s appointments, specialist visits…
Life insurance is there to help reduce the financial burden on your loved ones when the inevitable happens. But different types of life insurance policies suit different needs and budgets.Learn more about the types of life insurance to determine which one might be right for you.Key terms in this articleThe person(s) or entity that receives the death benefit when the insured person dies.A component of a permanent life insurance policy that grows over time and allows you to make withdrawals, borrow against it and more.The amount of money the life insurance company pays a beneficiary after the insured person dies.A…
About National Life Group Life InsuranceFounded in 1848, National Life Group is one of the oldest life insurance companies in the U.S. This insurer offers term, whole and universal life insurance, and many policies have generous living benefits. However, you’ll need to connect directly with a National Life Group agent to get a quote.National Life Group life insurance ratingNational Life Group earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.ProsConvertible term…
Nearly two-thirds of Americans (64%) believe Medicare benefits will be reduced under the current administration, according to a recent NerdWallet survey. For some, a reduction in benefits could be coming as soon as next year — along with a bigger price tag.Medicare Part B premiums are estimated to increase by $21.50 to $206.50 next year according to the Medicare Trustees — one of the bigger premium hikes in Medicare history. Medicare Part D prescription drug plans can increase premiums by as much as $50, up from last year’s $35 cap set by the government. And many of the largest private…
Life insurance is designed to protect against a loss of income if a loved one should die. However, this safeguard isn’t just for traditionally employed adults. The value stay-at-home parents provide should also be part of calculating how much life insurance a family needs.In America, 18% of parents don’t work for pay, according to a Pew Research Center analysis of the most recent U.S. Census Bureau data.[0] But that doesn’t mean they’re not adding to the household balance sheet. In fact, the U.S. Bureau of Labor Statistics (BLS) suggests the work of stay-at-home parents could be the financial equivalent of…
NerdWallet’s life insurance content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in life insurance. We follow strict editorial guidelines to ensure the content on our site is accurate and fair so you can make financial decisions with confidence and choose the products that work best for you.About Fidelity Investments Life InsuranceFidelity Investments Life Insurance is a subsidiary of the same parent company that runs the financial services firm Fidelity Investments. Currently, Fidelity Investments Life Insurance offers term life insurance policies in all states except New York.Note: Fidelity Investments Life Insurance is not…
President Donald Trump signed his “big, beautiful bill” into law on July 4, making changes to health insurance coverage for millions of Americans.If you have a marketplace health insurance plan, sometimes also known as Obamacare or Affordable Care Act (ACA) plans, your premiums might go up, and you might need to do more work to stay eligible.Here are a few key changes to marketplace health insurance in the new law — plus one thing that went unaddressed — and what to do about them.1. Premiums might get much pricierHow it works now: Premium tax credits help taxpayers afford marketplace health…
Variable universal life insurance is a permanent policy with a flexible death benefit and premiums.VUL policies allow you to allocate cash value into subaccounts, and then to invest that cash value in stocks, bonds or money market funds.Because you could lose money, a VUL policy is best suited for those with a moderate risk tolerance.Variable universal life insurance (VUL) is a life insurance policy with a cash value component that earns interest over time. VUL is appealing to some people because both the premiums and death benefits are adjustable. These policies offer high potential growth and flexibility. But because they’re…
The lowest-cost marketplace health insurance plan on the Obamacare health insurance marketplace costs an average of $479 per month in 2025, according to the Centers for Medicare & Medicaid Services (CMS)[0]. After tax credits, it’s $37 per month, on average.Premiums can vary significantly based on company, plan type and metal level (Bronze, Silver, Gold or Platinum), plus your age, tobacco use, family size, location, income and more.How much does marketplace health insurance cost per month?Marketplace health insurance plans, sometimes referred to as Obamacare plans or ACA plans, can be purchased by individuals and families on HealthCare.gov and state health insurance…
How we choose the best health insurance companies👋 I’m Alex Rosenberg, a lead writer and content strategist covering health insurance. I built NerdWallet’s health insurance rubric and did the research for this page to find the best health insurance options in the state. I gathered and analyzed data across four major categories:Plans with lower costs, such as premiums, deductibles, copays, coinsurance and out-of-pocket maximums, score the best.We evaluate plans’ costs using marketplace health plan datasets. These enormous spreadsheets include as many as 149 discrete data points for over 100,000 plan offerings in 31 states that use the federal marketplace (other…