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Authors

Nupur Gambhir

Managing Editor and Licensed Insurance Expert

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About the Author

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech.

Experience and Credibility

  • At Insure.com, Nupur is a Managing Editor and writes life and health insurance content.
  • Nupur is a licensed insurance agent (Life, Health, and Disability) in New York.

Previous Experience:

  • Senior Editor at Policygenius
  • Freelance content marketing
  • Admissions Producer at General Assembly

Education

  • Ohio State University, (BA Economics)

Expertise

  • Life insurance
  • Disability insurance
  • COVID-19
  • Life insurance pricing trends
  • End-of-life planning

Associations

  • Bloomberg News
  • Forbes Advisor
  • CNET
  • Fortune
  • Slate
  • Lifehacker
  • The Balance
  • The Financial Gym
  • MSN

Recent Articles By Nupur Gambhir

Cost of living calculator
Use this easy calculator to compare how much the cost of living differs from one place to other. The Insure.com Cost of Living Index helps you better understand how much you'd need to earn in each U.S. city.
June 10, 2025
What to know about six-month car insurance
Six-month car insurance offers short-term coverage with the flexibility to reassess your rates and switch providers more frequently.
June 5, 2025
Does homeowners insurance cover a total loss to your house?
After a total loss, home insurance will pay out the full limits of the policy in most cases. You can use this money to rebuild the home.
May 28, 2025
How much is life insurance in New York City in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in New York City vary by age and coverage.
May 23, 2025
How much is life insurance in Philadelphia, Pennsylvania in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in Philadelphia vary by age and coverage.
May 23, 2025
How much is life insurance in Jacksonville, Florida in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in Jacksonville vary by age and coverage.
May 23, 2025
How much is life insurance in Chicago, Illinois in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in Chicago vary by age and coverage.
May 23, 2025
How much is life insurance in Dallas, Texas in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in Dallas vary by age and coverage.
May 23, 2025
How much is life insurance in Houston, Texas in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in Houston vary by age and coverage.
May 23, 2025
How much is life insurance in San Antonio, Texas in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in San Antonio vary by age and coverage.
May 23, 2025
How much is life insurance in Phoenix, Arizona in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in Phoenix vary by age and coverage.
May 23, 2025
How much is life insurance in Los Angeles, California in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in Los Angeles vary by age and coverage.
May 23, 2025
How much is life insurance in San Diego, California in 2025?
Life insurance rates aren’t based on location but on personal factors like age and health. See how life insurance rates in San Diego vary by age and coverage.
May 23, 2025
What happens to the cash value of my whole life insurance policy when I die?
When you die, any remaining cash value in your life insurance policy goes back to the life insurance company. Read on to learn more about how the cash value works.
May 13, 2025
Are landlords responsible for tree damage to your car?
Landlords are typically not responsible for tree damage to your car unless they neglected tree maintenance, resulting in a hazardous condition. Your comprehensive car insurance usually covers such damage.
May 13, 2025
Why one insurance expert didn’t file a post-flood insurance claim
An insurance expert had flood damage—but didn’t file a claim. Here’s why.
May 7, 2025
Can I drop my spouse from my health insurance at any time?
Know can you remove your spouse from health insurance at any time and what are the qualifying event to remove your spouse from insurance?
May 6, 2025
Monthly car insurance calculator
Our monthly car insurance calculator helps you estimate your premiums based on vehicle make, model and state.
April 16, 2025
Can insurance companies cancel your policy if your home is vacant?
Yes, homeowners insurance can be canceled if your house is vacant for an extended period, as insurers often view unoccupied homes as higher risk for damage or vandalism. If your house will be vacant for an extended period, consider getting vacant home insurance.
April 7, 2025
Does homeowners insurance cover code upgrades?
Most standard home insurance policies don’t cover building code upgrades after a claim, but you can add this protection through an endorsement.
April 7, 2025
How much does a $1 million life insurance policy cost?
Rates for a $1 million life insurance policy depend on your age and health.
March 24, 2025
Coordination of benefits: How having two health insurance plans works
There's a way for you to get covered by two health insurance plans. It's called coordination of benefits (COB), which allows you to have multiple health plans. Learn how COB works.
March 11, 2025
Life insurance rates for seniors: What you need to know
Life insurance rates for seniors tend to be higher due to age and health risks, but simplified issue and final expense policies can provide affordable coverage without a medical exam.
March 4, 2025
Best Life Insurance Companies of 2025
The best life insurance companies in 2025 are Northwestern Mutual, MassMutual and New York Life, based on our rankings.
March 3, 2025
Term Life Insurance Index: New premium growth hits record in 2024
Term life insurance saw steady growth in 2024, with new annualized premium rising 2% in the fourth quarter to $768 million.
February 21, 2025
How to find a lost life insurance policy
If you think you might be the beneficiary of a life insurance policy, start by checking personal records, contacting past employers, and reaching out to state insurance departments to locate it.
February 14, 2025
Home replacement cost calculator
To calculate your home’s replacement costs, multiply the square footage of your home by the local rebuild cost.
February 14, 2025
How much does life insurance cost in California for smokers?
The average cost of life insurance for 35-year-old male smokers in California is $1,675. Meanwhile, 35-year-old female smokers pay $1,341.
January 16, 2025
How much does life insurance cost in Florida for smokers?
The average cost of life insurance for 35-year-old male smokers in Florida is $1,686. Meanwhile, 35-year-old female smokers pay $1,346.
January 16, 2025
How much does life insurance cost in Georgia for smokers?
The average cost of life insurance for 35-year-old male smokers in Georgia is $1,687. Meanwhile, 35-year-old female smokers pay $1,350.
January 16, 2025
How much does life insurance cost in Illinois for smokers?
The average cost of life insurance for 35-year-old male smokers in Illinois is $1,619. Meanwhile, 35-year-old female smokers pay $1,299.
January 16, 2025
How much does life insurance cost in Michigan for smokers?
The average cost of life insurance for 35-year-old male smokers in Michigan is $1,619. Meanwhile, 35-year-old female smokers pay $1,299.
January 16, 2025
How much does life insurance cost in New York for smokers?
The average cost of life insurance for 35-year-old male smokers in New York is $1,577. Meanwhile, 35-year-old female smokers pay $1,280.
January 16, 2025
How much does life insurance cost in North Carolina for smokers?
The average cost of life insurance for 35-year-old male smokers in North Carolina is $1,706. Meanwhile, 35-year-old female smokers pay $1,363.
January 16, 2025
How much does life insurance cost in Ohio for smokers?
The average cost of life insurance for 35-year-old male smokers in Ohio is $1,619. Meanwhile, 35-year-old female smokers pay $1,299.
January 16, 2025
How much does life insurance cost in Pennsylvania for smokers?
The average cost of life insurance for 35-year-old male smokers in Pennsylvania is $1,680. Meanwhile, 35-year-old female smokers pay $1,341.
January 16, 2025
How much does life insurance cost in Texas for smokers?
The average cost of life insurance for 35-year-old male smokers in Texas is $1,684. Meanwhile, 35-year-old female smokers pay $1,348.
January 16, 2025
Breaking down the cost of a $400,000 life insurance policy
How much you pay for $400,000 in life insurance coverage depends on your age, gender and lifestyle choices. Read on to learn how much you should expect to pay.
December 20, 2024
Full coverage car insurance estimate calculator
Curious about how much full coverage car insurance might cost you? Try our car insurance coverage calculator to get an estimate of your full coverage rates.
December 12, 2024
How much does life insurance cost in Alabama
The average life insurance cost for 35-year-old males in Alabama is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Alaska
The average life insurance cost for 35-year-old males in Alaska is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Arizona
The average life insurance cost for 35-year-old males in Arizona is $359, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Arkansas
The average life insurance cost for 35-year-old males in Arkansas is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Colorado
The average life insurance cost for 35-year-old males in Colorado is $358, while 35-year-old females pay $302.
November 26, 2024
How much does life insurance cost in Connecticut
The average life insurance cost for 35-year-old males in Connecticut is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Delaware
The average life insurance cost for 35-year-old males in Delaware is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Hawaii
The average life insurance cost for 35-year-old males in Hawaii is $358, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Idaho
The average life insurance cost for 35-year-old males in Idaho is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Indiana
The average life insurance cost for 35-year-old males in Indiana is $360, while 35-year-old females pay $305.
November 26, 2024
How much does life insurance cost in Iowa
The average life insurance cost for 35-year-old males in Iowa is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Kansas
The average life insurance cost for 35-year-old males in Kansas is $359, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Kentucky
The average life insurance cost for 35-year-old males in Kentucky is $361, while 35-year-old females pay $305.
November 26, 2024
How much does life insurance cost in Louisiana
The average life insurance cost for 35-year-old males in Louisiana is $358, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Maine
The average life insurance cost for 35-year-old males in Maine is $358, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Maryland
The average life insurance cost for 35-year-old males in Maryland is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Massachusetts
The average life insurance cost for 35-year-old males in Massachusetts is $358, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Mississippi
The average life insurance cost for 35-year-old males in Mississippi is $360, while 35-year-old females pay $305.
November 26, 2024
How much does life insurance cost in Missouri
The average life insurance cost for 35-year-old males in Missouri is $360, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Montana
The average life insurance cost for 35-year-old males in Montana is $357, while 35-year-old females pay $324.
November 26, 2024
How much does life insurance cost in Nebraska
The average life insurance cost for 35-year-old males in Nebraska is $359, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Nevada
The average life insurance cost for 35-year-old males in Nevada is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in New Hampshire
The average life insurance cost for 35-year-old males in New Hampshire is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in New Jersey
The average life insurance cost for 35-year-old males in New Jersey is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in New Mexico
The average life insurance cost for 35-year-old males in New Mexico is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in North Dakota
The average life insurance cost for 35-year-old males in North Dakota is $359, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Oklahoma
The average life insurance cost for 35-year-old males in Oklahoma is $359, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Rhode Island
The average life insurance cost for 35-year-old males in Rhode Island is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in South Carolina
The average life insurance cost for 35-year-old males in South Carolina is $362, while 35-year-old females pay $308.
November 26, 2024
How much does life insurance cost in South Dakota
The average life insurance cost for 35-year-old males in South Dakota is $359, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Utah
The average life insurance cost for 35-year-old males in Utah is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Vermont
The average life insurance cost for 35-year-old males in Vermont is $358, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Virginia
The average life insurance cost for 35-year-old males in Virginia is $361, while 35-year-old females pay $305.
November 26, 2024
How much does life insurance cost in Washington
The average life insurance cost for 35-year-old males in Washington is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in West Virginia
The average life insurance cost for 35-year-old males in West Virginia is $359, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Wisconsin
The average life insurance cost for 35-year-old males in Wisconsin is $359, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Wyoming
The average life insurance cost for 35-year-old males in Wyoming is $358, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Oregon
The average life insurance cost for 35-year-old males in Oregon is $359, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Tennessee
The average life insurance cost for 35-year-old males in Tennessee is $360, while 35-year-old females pay $304.
November 26, 2024
How much does life insurance cost in Minnesota
The average life insurance cost for 35-year-old males in Minnesota is $359, while 35-year-old females pay $303.
November 26, 2024
How much does life insurance cost in Washington, D.C.
The average life insurance cost for 35-year-old males in Washington, D.C. is $358, while 35-year-old females pay $303.
November 26, 2024
No-medical-exam life insurance: What it is and how it works
No-medical-exam life insurance is a type of life insurance policy that doesn’t require a physical during the application process. Read on to know more about how does it works,
October 29, 2024
How much does life insurance cost in Texas?
The average life insurance cost for 35-year-old males in Texas is $359, while 35-year-old females pay $304.
October 22, 2024
How much does life insurance cost in Pennsylvania?
The average life insurance cost for 35-year-old males in Pennsylvania is $360, while 35-year-old females pay $305.
October 22, 2024
How much does life insurance cost in Ohio?
The average life insurance cost for 35-year-old males in Ohio is $362, while 35-year-old females pay $306.
October 22, 2024
How much does life insurance cost in New York?
The average life insurance cost for 35-year-old males in New York is $378, while 35-year-old females pay $325.
October 22, 2024
How much does life insurance cost in North Carolina?
The average life insurance cost for 35-year-old males in North Carolina is $361, while 35-year-old females pay $306.
October 22, 2024
How much does life insurance cost in Michigan?
The average life insurance cost for 35-year-old males in Michigan is $362, while 35-year-old females pay $306.
October 22, 2024
How much does life insurance cost in Illinois?
The average life insurance cost for 35-year-old males in Illinois is $362, while 35-year-old females pay $306.
October 22, 2024
How much does life insurance cost in Georgia?
The average life insurance cost for 35-year-old males in Georgia is $360, while 35-year-old females pay $305.
October 22, 2024
How much does life insurance cost in Florida?
The average life insurance cost for 35-year-old males in Florida is $361, while 35-year-old females pay $305.
October 22, 2024
How much does life insurance cost in California?
The average life insurance cost for 35-year-old males in California is $361, while 35-year-old females pay $309.
October 22, 2024
The different types of term life insurance policies explained
There are many different types of term life insurance, but level term life insurance is the best option for most people because it offers robust coverage at the best price.
October 9, 2024
Whole life insurance: What it is and how it works
Whole life insurance provides lifelong coverage with fixed premiums, a guaranteed death benefit, and a cash value component that grows over time.
September 26, 2024
Does homeowners insurance cover theft?
Home insurance covers theft from your home or anywhere in the world. To file a theft claim, you must first report the crime to the police.
September 26, 2024
Bridging the life insurance divide: Insights on coverage gaps among key demographics
We spoke with Karen Terry, LIMRA's assistant vice president of Insurance Product Research, to explore how different demographics can overcome the life insurance coverage gap and get adequate coverage.
August 23, 2024
Why you should hire a public adjuster after a disaster
Hiring a public adjuster ensures you maximize your homeowners insurance claim payout by having an expert advocate handle the complex process on your behalf.
July 24, 2024
Does homeowners insurance cover water damage?
Homeowners insurance won’t cover water damage due to poor maintenance. However, water damage from faulty plumbing or ruptured pipes is usually covered.
July 24, 2024
Does home insurance cover lightning strikes?
Home insurance covers damage caused by lightning strikes to your home and property. Find out how it works and how to prevent lightning damage.
June 20, 2024
Does homeowners insurance cover tornado damage?
Standard homeowners insurance covers tornado damage; in some areas you need windstorm insurance and a special deductible may apply.
June 7, 2024
Does homeowners insurance cover fireworks damage?
Home insurance will cover damage from fireworks as long as they are legal. Liability covers damage or injuries to others caused by your fireworks.
May 9, 2024
Renters insurance and pit bulls
Some renters insurance companies will not insure you if you have a pit bull or other breed considered aggressive, but you do have options.
May 8, 2024
Does homeowners insurance cover theft outside your home?
Homeowners insurance covers your personal property anywhere in the world, although the limits are reduced for off-premises theft.
May 7, 2024
Does homeowners insurance cover car damage?
Home insurance covers a car crashing into your house, although the driver's car insurance will pay first, up to the limits of the policy.
May 6, 2024
Why life insurance is the perfect gift this Mother’s Day
Read why life coverage is important for women & how mothers can ensure their family's finances. Here are the insights from Karen Terry, assistant vice president & head of LIMRA insurance product research.
May 3, 2024
Are pools and hot tubs covered by homeowners insurance?
Pools and hot tubs are covered by home insurance both for damage and for the liability risks associated with them. Find out how it works.
April 29, 2024
Does homeowners insurance cover water damage?
Homeowners insurance covers water damage that is sudden and accidental and not caused by an excluded peril like flooding.
April 23, 2024
How to buy individual health insurance
Read our complete guide on how to get individual health insurance.
February 21, 2024
The best whole life insurance companies
Discover the best whole life insurance companies in 2023. Make an informed choice for financial security. Compare ratings and benefits now!
December 8, 2023
Everything you need to know about open enrollment for 2024
The open enrollment period is November 1, 2022, through January 15, 2024. Read on to learn everything you need to know about getting health insurance for 2024.
November 21, 2023
Car insurance calculator for adults
A car insurance calculator helps adult drivers quickly estimate the cost of auto insurance in their area without the need for personal information.
August 16, 2023
What is an accelerated death benefit rider and how does it work?
An accelerated death benefit allows you to tap into your life insurance policy funds before your death. Read on to know more about how it works, types of accelerated benefit riders and more.
June 23, 2023
Mother’s Day Index 2022: Mom’s unpaid work worth 9.2% more than last year  
According to the Mother's Day Index, mothers would have made over $126,725 last year.That's an increase of 9.2% over last year findings. Read on the article to know more about mother's day index.
May 8, 2023
How does the life insurance underwriting process work?
The life insurance underwriting process is an important step to getting coverage & determines how much you pay. Read on to learn how it can affect your life insurance premiums.
March 2, 2023
10 things you should know about COBRA
Here are 10 things you should know about COBRA.Read our full guide to everything you need to know about COBRA. Also check what our readers are asking us about COBRA.
December 2, 2022
Can I withdraw money from my term life insurance?
No, you cannot withdraw money from term life insurance.Read on to know more, whether you can get money back from a term life insurance policy or not.
October 7, 2022
What are life insurance health classifications?
The life insurance health classification you receive determines how much you pay for coverage. Read on to understand the different life health classifications & how insurers determine rates.
September 30, 2022
Filing an insurance claim: What not to do
Filing an insurance claim isn’t as straightforward as it seems. Read our full guide to make the process as seamless as possible.
August 26, 2022
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