Lauren Ward

Contributing Writer​

Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.

More from Lauren Ward

What is Cash Value Life Insurance

Cash value life insurance covers a range of policy types. Each type comes with its own benefits and limitations, but they all have a few things in common. First, they guarantee a death benefit payment as long as the insured person keeps up with premiums. Second, they include a “cash value” savings or investment account ...

Family Life Insurance Riders, Explained

Reviews Report Usually, life insurance riders are chosen when the life insurance policy is purchased. Child riders, waiver of premium, terminal/critical illness, and return of premium riders are the most common types of family life insurance riders. Some life insurance riders provide benefits in the event of illness, injury, or death. Life insurance riders are ...

What Is Term Life Insurance?

Term life insurance provides your beneficiary with a death benefit in the event you pass away during a specified period. In most cases, a term life insurance policy lasts between 10 and 20 years, although they can go as long as 30. When the period expires, you can either renew your policy, let it expire ...

What to Do After a Car Accident

Reviews Report In 2018, 28.1% of car crashes resulted in injury. 6.13 auto collision claims per 100 car years were filed in 2019 and 2018, a slight decrease from 2017. It’s crucial to collect accurate contact and insurance information from the other driver to file a claim with an insurance company. Car accidents can happen ...

How to Shop for Life Insurance

When it’s time to shop for life insurance, it’s smart to weigh all of your options before choosing a policy. The most important part of the process is to evaluate where you are in your life today and where you think you’ll be in the years to come. People often purchase life insurance to help ...

Best West Virginia Homeowners Insurance Companies

It should come as a welcomed fact that the average cost of homeowners insurance in West Virginia is a few hundred dollars lower than the national average. And while the price is an important factor when choosing the best homeowners insurance companies in West Virginia, customers also need to look at factors like coverage, claims ...

The Best Arkansas Homeowners Insurance Companies

The top homeowners insurance providers that offer quality coverage at an affordable rate in Arkansas include Metropolitan, Encompass, Republic Underwriters, Auto-Owners, and Allstate. At least one of these companies also made it to our national list of best homeowners insurance.  If you live in Arkansas, we don’t have to tell you about the different weather ...

The Best Homeowners Insurance Companies in Kansas

To find the best homeowners insurance companies in Kansas, we reviewed a variety of providers and paid close attention to their market share, coverage policies, discounts, customer service, and financial strength. Our top recommendation is Auto-Owners Insurance, which offers affordable rates, great discounts, and a wide selection of coverage options. Keep reading to see our ...

The Best North Dakota Auto Insurance Companies of 2021

Reviews Report USAA is the best car insurance company in North Dakota, earning a 4.8 out of 5 North Dakota is the cheapest state for car insurance in the country. State law requires drivers to have PIP and uninsured/underinsured motorist coverage Finding the best North Dakota car insurance requires a bit of groundwork, but we’ve ...

The Best Car Insurance Companies in New Hampshire

Reviews Report The best car insurance company in New Hampshire is Amica, earning a 5 out of 5 based on customer satisfaction, discounts, coverage, and more. The cheapest providers in New Hampshire are USAA and Amica, both with average annual premiums under $350. Drivers are not legally required to carry insurance in New Hampshire, but ...

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