North Dakota Home Insurance at a Glance
For the same house, home insurance in North Dakota averaged $2,582 a year ($215 a month) across the 4 insurers we compared, 16.7% below the average of the 50 states and D.C. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.
For the same home, prices among the 4 insurers we compared ranged from $192 to $249 a month, a $57-a-month gap for identical coverage. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Oct. 27, 2026
North Dakota home insurance: key numbers
- Home
- $2,582/yr $215/mo
- Renters
- $189/yr $16/mo
- Condo
- $388/yr $32/mo
How much is homeowners insurance in North Dakota?
Homeowners insurance in North Dakota averages $215 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are Farmers Union Insurance, Auto-Owners, American Family and State Farm, and each one priced our sample home in all 21 North Dakota ZIP codes in our data, which span 13 counties. For this house, North Dakota is the 23rd least expensive of the 50 states and D.C.
Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.
For the same insurers and ZIP codes, the North Dakota average rose 3.6% since Nov. 2025, from $2,492 a year ($208 a month) on Nov. 30, 2025, to $2,582 ($215) on Sept. 30, 2026, as Auto-Owners’ rose 15.7%, Farmers Union Insurance’s rose 2.9% and American Family’s fell 1.7%.
Homeowners insurance averages by insurer in North Dakota for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Farmers Union Insurance | $192 | $2,307 |
| Auto-Owners | $209 | $2,508 |
| American Family | $210 | $2,521 |
| State Farm | $249 | $2,992 |
Farmers Union Insurance averaged $192 a month ($2,307 a year), Auto-Owners $209 ($2,508), American Family $210 ($2,521) and State Farm $249 ($2,992) for our sample home.
Same sample home: each insurer’s average yearly price in the same North Dakota ZIP codes, Nov. 30, 2025 and Sept. 30, 2026
| Insurer | Nov. 30, 2025 (per year) | Sept. 30, 2026 (per year) | Change |
|---|---|---|---|
| Auto-Owners | $2,168 | $2,508 | +15.7% |
| Farmers Union Insurance | $2,243 | $2,307 | +2.9% |
| State Farm | $2,992 | $2,992 | No change |
| American Family | $2,566 | $2,521 | −1.7% |
All 4 insurers in the table priced the same 21 North Dakota ZIP codes on both dates.
By ZIP code: each insurer’s yearly price for the same house changed with the North Dakota address:
- Farmers Union Insurance ran from $2,030 to $2,964 a year by ZIP code and priced all 21 North Dakota ZIP codes in our data.
- Auto-Owners ran from $2,236 to $2,882 a year by ZIP code and priced all 21 North Dakota ZIP codes in our data.
- American Family ran from $1,805 to $3,362 a year by ZIP code and priced all 21 North Dakota ZIP codes in our data.
- State Farm ran from $2,685 to $3,572 a year by ZIP code and priced all 21 North Dakota ZIP codes in our data.
Who has the cheapest homeowners insurance in North Dakota?
Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.
What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In North Dakota, ZIP code averages for this house ran from $186 a month in Grand Forks to $256 in Bismarck, while insurers’ statewide averages ran from $192 to $249.
Your ZIP code matters
Where is home insurance cheapest in North Dakota? Costs by city
For the same house, Fargo has the lowest average of the cities in the table, $198 a month, and Bismarck the highest, $254, 17.8% above the state average.
Same sample home: average home insurance prices in 2 North Dakota cities (rates as of Sept. 30, 2026)
| City | Per month | Per year | vs. state |
|---|---|---|---|
| Fargo 3 ZIP codes, small sample | $198 | $2,376 | −8.0% |
| Bismarck 3 ZIP codes, small sample | $254 | $3,042 | +17.8% |
| North Dakota 21 ZIP codes | $215 | $2,582 | Baseline |
Each city covers the ZIP codes in our data with that city as their main mailing address; small sample means fewer than 5 ZIP codes.
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
58201
Grand Forks (Grand Forks County)
$186/mo
$2,237 a year
Highest
58504
Bismarck (Burleigh County)
$256/mo
$3,076 a year
Of the 21 North Dakota ZIP codes we priced, Bismarck’s 58504 had the highest average for our sample home, about 1.4 times that of the lowest, 58201 in Grand Forks.
The five highest-priced ZIP codes are 58504 in Bismarck ($256 a month), 58554 in Mandan ($256 a month), 58503 in Bismarck ($253 a month), 58601 in Dickinson ($252 a month) and 58501 in Bismarck ($252 a month).
The five lowest-priced ZIP codes are 58201 in Grand Forks ($186 a month), 58203 in Grand Forks ($194 a month), 58316 in Belcourt ($195 a month), 58103 in Fargo ($196 a month) and 58104 in Fargo ($198 a month).
Same house, different state: how does North Dakota compare?
North Dakota costs less for the identical house than all 3 of its neighbors: its $215 a month is 20.8% below Minnesota’s $272.
Same sample home: average home insurance prices in North Dakota, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)
| Place | Per month | Per year | ND vs. this place |
|---|---|---|---|
| North Dakota | $215 | $2,582 | Baseline |
| Minnesota | $272 | $3,260 | −20.8% |
| South Dakota | $313 | $3,756 | −31.3% |
| Montana | $492 | $5,905 | −56.3% |
| Average of the 50 states and D.C. | $258 | $3,101 | −16.7% |
Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.
Of the other 49 states and D.C., 22 have a lower average for this house than North Dakota and 28 a higher one.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
What does a North Dakota homeowners policy cover?
A standard homeowners policy pays to repair or rebuild after covered damage such as fire, lightning, wind and hail, theft and some water damage from burst pipes; flood and earthquake damage need separate coverage. All six coverages below are inside the $2,582-a-year North Dakota average for our sample home.
- Dwelling ($300,000): the house itself, from the foundation to the roof.
- Other structures ($30,000): a detached garage, carport, fence or shed.
- Personal property ($150,000): furniture, clothes and electronics.
- Loss of use ($30,000): a rental and other extra costs while repairs keep you out.
- Personal liability ($300,000): legal defense and damages if you’re responsible for someone’s injury or property damage.
- Medical payments ($5,000): smaller medical bills for a guest hurt at your home.
Say a storm damages the roof and the repair costs $15,000. With the $1,000 deductible we priced, the policy would pay up to $14,000. With a 2% wind and hail deductible on the same $300,000 house, you’d pay the first $6,000 instead, and the policy up to $9,000.
Is $200 a month a lot for home insurance in North Dakota?
It’s less than our sample home costs in North Dakota: $215 a month, the 23rd least expensive of the 50 states and D.C. 1 of the 4 insurers we compared averaged under $200 for the same house: Farmers Union Insurance ($192). If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
Why your North Dakota quote may differ from these prices
Use our one-house figures as a starting point when you compare home insurance quotes for yours.
Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.
Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a North Dakota quote above the $215 a month our claim-free, good-credit owner averages.
Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.
What is the 80% rule in homeowners insurance?
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
Why is home insurance cheaper in North Dakota than in most states?
For our sample house, North Dakota is the 23rd least expensive of the 50 states and D.C. Our figures don’t separate causes; these official records show what North Dakota homes face.
On Sept. 14, 2025, the National Weather Service identified 20 tornadoes across central North Dakota, and the state had more than 80 tornadoes in 2025, a state record (the old record was 61, set in 1999).
How do wind and hail deductibles work in North Dakota?
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real North Dakota policies may use a separate wind and hail deductible, so ask for yours.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $2,582 a year that house averages in North Dakota.
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
How to find cheaper home insurance in North Dakota
For our sample home, North Dakota insurers’ statewide averages ran from $2,307 to $2,992 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.
Compare at least three insurers: even one insurer’s price moves a lot by address: American Family’s for our sample home ran from $1,805 to $3,362 a year depending on the North Dakota ZIP code.
Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 28 months of North Dakota’s $215-a-month average premium).
Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.
Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.
Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.
Guard a clean record: our sample owner has no claims in 10 years, and the $215-a-month North Dakota average assumes that clean record; a recent claim can raise a quote.
What if an insurer won’t renew your North Dakota home?
North Dakota law requires at least 45 days’ written notice, with the reasons, before an insurer doesn’t renew a homeowners policy. Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the North Dakota Insurance Department at 701-328-2440.
If regular insurers turn you down, North Dakota’s Property Insurance Placement Facility, which works like a FAIR Plan in other states, offers basic property coverage.
In our data, every insurer we compared priced our sample home in all 21 North Dakota ZIP codes.
Got a nonrenewal notice?
- Note the date your coverage ends and start shopping now.
- Get quotes from at least three insurers (we compared 4 in North Dakota, from $192 to $249 a month for the same house), or ask a licensed agent to compare them for you.
- If insurers turn you down, ask a North Dakota-licensed agent about North Dakota’s Property Insurance Placement Facility.
- If the notice looks wrong, call the North Dakota Insurance Department at 701-328-2440.
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How much is renters insurance in North Dakota?
Renters insurance for our sample renter averages $16 a month ($189 a year) in North Dakota. For our sample renter, prices among the 4 insurers we compared ranged from $12 to $19 a month, a $7-a-month gap for the same coverage.
Renters insurance averages by insurer in North Dakota for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $12 | $140 |
| American Family | $14 | $169 |
| Auto-Owners | $18 | $220 |
| Farmers Union Insurance | $19 | $228 |
State Farm averaged $12 a month ($140 a year), American Family $14 ($169), Auto-Owners $18 ($220) and Farmers Union Insurance $19 ($228) for our sample renter.
By ZIP code (renters):
- State Farm ran from $11 to $14 a month by ZIP code for our sample renter and priced all 21 ZIP codes.
- American Family ran from $14 to $15 a month by ZIP code for our sample renter and priced all 21 ZIP codes.
- Auto-Owners charged $18 a month in every ZIP code it priced for our sample renter and priced all 21 ZIP codes.
- Farmers Union Insurance charged $19 a month in every ZIP code it priced for our sample renter and priced all 21 ZIP codes.
State Farm had the lowest renters average for our sample renter of the insurers anyone can buy from, $12 a month ($140 a year), 17.0% below American Family’s $169 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.
North Dakota’s renters average is the 8th least expensive of the 50 states and D.C., 26.0% below their average of $21 a month ($256 a year). Our sample renter’s policy costs about 7% of what our sample home costs to insure in North Dakota.
For the same insurers and ZIP codes, the North Dakota renters average rose 2.3% since Nov. 2025, from $15 to $16 a month, as American Family’s rose 5.6%, Auto-Owners’ rose 3.8% and Farmers Union Insurance’s didn’t change.
By ZIP code, the North Dakota renters average for our sample renter ran from $15 a month in Williston (58801) to $16 in Mandan (58554).
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 84 sample prices by 4 insurers across 21 North Dakota ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
What does renters insurance cover in a North Dakota apartment?
Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In North Dakota, that package averages $16 a month; flood and earthquake damage need separate coverage.
How we got these renters prices: each insurer’s average across the 21 North Dakota ZIP codes in our data. Sample prices, not quotes or offers.
How much is condo insurance in North Dakota?
Condo insurance for our sample condo averages $32 a month ($388 a year) in North Dakota. For our sample condo, prices among the 4 insurers we compared ranged from $17 to $54 a month, a $37-a-month gap for the same coverage.
Condo insurance averages by insurer in North Dakota for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $17 | $207 |
| Farmers Union Insurance | $22 | $259 |
| American Family | $37 | $440 |
| Auto-Owners | $54 | $645 |
State Farm averaged $17 a month ($207 a year), Farmers Union Insurance $22 ($259), American Family $37 ($440) and Auto-Owners $54 ($645) for our sample condo.
By ZIP code (condo):
- State Farm ran from $17 to $18 a month by ZIP code for our sample condo and priced all 21 ZIP codes.
- Farmers Union Insurance charged $22 a month in every ZIP code it priced for our sample condo and priced all 21 ZIP codes.
- American Family ran from $36 to $37 a month by ZIP code for our sample condo and priced all 21 ZIP codes.
- Auto-Owners charged $54 a month in every ZIP code it priced for our sample condo and priced all 21 ZIP codes.
We don’t name a lowest condo insurer in North Dakota (the methodology explains when we do); the condo table above lists every insurer’s average for the same condo, from $17 to $54 a month.
Auto-Owners’ condo average is about 2.1 times the other insurers’ average; without it, North Dakota’s condo average would be $25 a month ($302 a year).
North Dakota’s condo average is the 19th least expensive of the 50 states and D.C., 19.4% below their average of $40 a month ($481 a year). Our sample condo’s policy costs about 15% of what our sample home costs to insure in North Dakota.
For the same insurers and ZIP codes, the North Dakota condo average rose 7.7% since Nov. 2025, from $30 to $32 a month, as American Family’s rose 31.1%, Auto-Owners’ rose 0.9% and Farmers Union Insurance’s didn’t change.
By ZIP code, the North Dakota condo average for our sample condo ran from $32 a month in West Fargo (58078) to $33 in Mandan (58554).
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
- $60K unit coverage
- $60K belongings
- $1,000 deductible
- Built 2005
Which part of a North Dakota condo is yours to insure?
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $32 a month in North Dakota.
What to check with your HOA before you buy condo insurance
- The master policy: ask the association or manager for its certificate of insurance and declarations page.
- Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
- The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
- Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).
You may also want to compare: car + home insurance in North Dakota
Many North Dakota homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See North Dakota car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in North Dakota
How much is home insurance in North Dakota?
For the house we priced, North Dakota averages $2,582 a year ($215 a month) across the 4 insurers we compared and 21 ZIP codes, with rates as of Sept. 30, 2026. By ZIP code, the average runs from $186 a month in Grand Forks to $256 in Bismarck, so your address matters.
Which North Dakota city has the cheapest home insurance?
Of the North Dakota cities in our table with at least 3 ZIP codes, Fargo had the lowest average for our sample home, $198 a month, and Bismarck the highest, $254.
How much is insurance on a $400,000 house in North Dakota?
We priced a $300,000 dwelling, not $400,000. For that house, North Dakota averages $215 a month. A $400,000 house usually costs more to insure, so get quotes for your own rebuild cost, and remember the 80% rule.
Does North Dakota home insurance cover wind and hail damage?
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Some insurers use a separate percentage deductible for wind and hail, so work out what yours means in dollars; on our $300,000 sample house, 2% is $6,000, or $3,418 more than a year of the North Dakota average premium for that house.
Is flood damage covered by home insurance in North Dakota?
No. A standard North Dakota home or renters policy doesn’t cover flooding. You can buy it through federal flood insurance (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so don’t wait for a storm warning.
Are North Dakota home insurance rates going up in 2026?
For the house we priced, the North Dakota average rose 3.6% for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026, to $215 a month. Your own renewal depends on your insurer, your home and your claims.
What does renters insurance cost in North Dakota?
Our sample renter, insuring $40,000 of belongings with $300,000 liability, pays an average of $16 a month ($189 a year) in North Dakota across the 4 insurers we compared.
What does condo insurance cost in North Dakota?
Our sample condo, with $60,000 of unit coverage and $60,000 for belongings, averages $32 a month ($388 a year) in North Dakota across the 4 insurers we compared.
Who regulates home insurance in North Dakota?
The North Dakota Insurance Department licenses insurers, oversees their rates and forms, and helps consumers with complaints about claims and nonrenewals. Its consumer line is 701-328-2440.
Official resources for North Dakota homeowners
- North Dakota Insurance Department: flood insurance Why you need a separate flood policy.
- National Weather Service Bismarck: Sept. 14, 2025 tornadoes The record tornado outbreak.
- North Dakota Century Code 26.1-39 Notice rules before nonrenewal.
- North Dakota Property Insurance Placement Facility law (26.1-52) Basic coverage when you can’t get it elsewhere.
- National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
How we calculated these prices
We priced the same house with 4 major insurers, in each of the 21 North Dakota ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each North Dakota figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
Full details
The homes we priced
- Home (HO-3, a standard homeowners policy): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible for covered losses other than a hurricane. Our home price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6, a condo unit-owner policy): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state’s price requests, so differences between ZIP codes come from how each insurer prices that ZIP code.
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 84 sample prices from 4 insurers across 21 ZIP codes in 13 counties. Renters: 84 from 4 insurers. Condo: 84 from 4 insurers. North Dakota here means the 21 North Dakota ZIP codes in our rate data; cities group them by main post-office city.
Insurer notes: we review every note an insurer attaches to a price before publishing.
- Nodak Insurance’s renters prices in 21 ZIP codes and condo prices in 21 ZIP codes are left out: they carry an insurer note we are still reviewing, so they stay out of our averages until we decide.
- Nodak Insurance’s home prices in 21 ZIP codes are left out: they returned a note saying a house with a roof as old as our sample home’s may not qualify, so no price is shown.
Comparisons: neighboring-state figures use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: North Dakota Insurance Department, National Weather Service, North Dakota Century Code, National Association of Insurance Commissioners, FEMA, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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- About the Author
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
