Article-Writing.co

Article-Writing.co

Your Content Writing Services Provider

Article Writing Company is a wholesale content writing service. A group of talented and professional article writers from across Canada and the US. Our principle competency is as a third party and flexible outside resource partnering with different marketing agencies. PR, SEO, Social Media, really any marketing agency that has a serious volume of content needs on an ongoing basis.

Focus Areas

Service focus.

  • Writing Services

Client Focus

  • Small Business
  • Medium Business

Industry Focus

  • Business Services

Article-Writing.co Reviews

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The Better Blog

Top 10 article writing services, rated and reviewed for 2024, by jennifer krausz on 12/16/2023.

article writing co reviews

TL;DR: When you order articles or other pieces of content from an article-writing service, you expect high-level results. As in any service industry, your mileage may vary depending on the quality of the service you choose.

So What? To achieve your content marketing objectives, you must carefully research and select a reputable article-writing service that consistently delivers high-quality content that meets your business needs.

We know how difficult it can be to evaluate article writing services independently. To help you narrow your options, we’ve reviewed some of the most popular companies and ranked them based on customer feedback, industry reputation, and other factors. This way, you don’t have to spend much time doing your research.

Note: This group of companies is explicitly focused on article-writing services. If you need more comprehensive content assistance, see our rankings and reviews of content writing services .

NameDomain Authority (from AHREFs)Ranking Keywords (from AHREFs)LinkedIn FollowersX Followers# Linking Domains (from AHREFs)Online Customer ReviewsScore
61243,4523,147

39,9474,500
4150.0
919142,427,324325,74299,0004150.0
71100, 266184,10918,3533,3004145.0
71105,29915,88710,532170135.0
69130,4353,5413,0803,9002135.0
7357,6057,9171,9035,4004130.0
7095,4046836894,6003115.0
68177,3544,0892841,8004100.0
59275,6334391,421
984496.0
648,378,22501326055.0

1. Media Shower

Description: When you order articles through Media Shower, the writers create article ideas and gain your approval of topics. You’re then matched with vetted, highly experienced journalists who deliver unique, original material designed to inform and inspire your audience.

After a writer completes the piece, an editor reviews it for quality assurance and corrects mistakes. They then deliver the work to you. This proven process ensures every article you receive meets your needs and reflects your brand.

Pricing: Starting at $2.5K per month with custom pricing based on industry, target audience, and length.

Customer Reviews:

“Content is Media Shower’s strength. They are very good at finding interesting ways to talk about our business and engage our users with our blog.” “Definitely great value for the money… We have been using Media Shower for guest blog posting services, and the quality is what you’d expect to find from companies charging 2-3x as much. Highly recommended.”

Description: When you order articles through Upwork, you’ll choose a writer from among the freelancers who “bid” on the job. You’ll have to do some legwork, as there are as many inexperienced or unqualified writers as seasoned professionals.

While Upwork provides you access to hundreds of thousands of freelancers, the extra work required to individually vet applicants may reduce this article writing service’s value.

Pricing: Established between the customer and the writer, ranging from $2 to $100 per article or more.

“I [was] satisfied because I found cheap labor but not quite satisfied with their performance. At first, they were excellent but then they started to let me down more and more. I ended up doing the job myself which is the complete opposite of why I joined in the first place.” —Renato I. via Sitejabber.com

3. WriterAccess

Description: You can order articles quickly and easily through WriterAccess. Writers receive ratings between two and five stars, so you’ll pay more for writers who have earned better ratings.

Pricing:  Platform subscriptions for specialized services start at $39 per month. You can place as many (or as few) orders as you want.

“I have nothing but great things to say about WriterAccess. They have exceeded my expectations in every way. I have been most impressed with the clarity of their writing and the expeditious but professional manner in which they complete the task. Thank you, WriterAccess.” — George B. via the WriterAccess website.

4. Bunny Studio Writing

article writing co reviews

Description: Speed is the name of the game at Bunny Studio Writing, formerly known as Article Bunny. The writing arm of this content company promises fast, high-quality articles from industry professionals.

You can submit an article request for a contest (in which multiple writers pitch their ideas) or a “speedy,” which means any writer can accept the project and complete it by your deadline. You can also directly book writers.

Pricing: Platform plans start at $49 per month, and “Bunny Pros” sets the prices they will accept for articles of different lengths.

“Absolutely amazing! This writer knew exactly what I wanted and wrote everything beautifully and on point. I am very excited to share this article!” –Souny West, Collabz founder

5. Constant Content

Description: Although Constant Content offers article-writing services, it also has a database of already-written articles that customers can purchase. If you create a custom order, you’ll complete a questionnaire for the writer’s reference and state how much you want to pay.

Pricing: Depending on the writer, you might pay anywhere from $20 to more than $200 for an article.

“Constant Content ” is a great site for writers and buyers looking for high-quality content. As an internet marketer, the content on the site could probably be too expensive as you can easily hire a writer to write a unique article for much less.” — via IM Report Card

6. Textbroker

Description: Over the years, Textbroker has developed a reputation for providing inexpensive content for companies. Like WriterAccess, writers receive star ratings based on their output quality and customer reviews.

You can pick a team of writers for your articles or open up each project to individual bidding.

Pricing: You’ll pay anywhere from $0.023 to $0.12 per word based on the writer’s rating and the challenge of the writing itself.

“I’ve been an intermittent user of TB services. I’ve found the quality average even for the top-quality service level hence, haven’t made heavy use of their service.” — Ray C. via Sitejabber.com “Regarding the service offered, Textbroker is hands down the best option. That’s not to say it’s not without bugs. Basically, publishers list articles they’d like written, then writers claim the articles they’d like to write. This means articles may go unwritten.” — Cathy R. via Sitejabber.com

Description: When you order articles through iWriter, you fill out a form that details the information you want included in the piece. You can request articles ranging from 150 to 6,000 words in length, and the company promises fast turn-around times.

Pricing: Article prices range from $1.40 to $435, depending on quality and length.

“My main issue with being a buyer was that my content failed [C]opyscape.” — Tiffany Lambert via TiffanyDow.com “For me, the delivery time is the biggest advantage of using this service. I mainly use iWriter when I need a piece of content written ASAP. In general, you will usually receive a finished [500-word] article within 3 hours.” — Matthew Barby via MatthewBarby.com

8. Compose.ly

Description: Compose.ly’s self-serve marketplace provides blog content, whitepapers, product descriptions, and other types of content at reasonable prices, but editing and content management are not provided. SEO and keyword optimization is also not included with the self-service marketplace.

Pricing: Starts at $30 for a 200-word product description or $75 for a 500-word blog.

Customer Reviews: 

“Compose.ly has been a lifesaver for my business regarding getting blogs written. Their team is knowledgeable, timely, and willing to learn about new subject areas to get the writing done competently and professionally. Highly recommend them for anyone needing regular articles produced for their website.”  –Harry Shurek via TrustPilot “Compose.ly’s online interface is fast, easy, and fun! The writers are responsive and skilled. The revisions are collaborative, and the turnaround time is hard to beat. ” –Shari Hobbs via TrustPilot

Description: You can open up an article writing project to the entire stable of Zerys writers or choose a freelancer based on their profile. After you fill out information about what you want your article to include, the writer completes the assignment, and you review it for quality. If you like the article, you pay for it and can publish it on your site.

Zerys doesn’t make customers pay unless they’re satisfied, so the site offers a risk-free article option. However, writer quality will vary significantly.

Pricing: Per-word rates range from $0.01 to $0.50 per word based on the amount of research required and the quality of the finished product.

“I really love this platform. The workflow that the platform automates is exactly on point with the way a professional content marketer would execute a campaign.” “Zerys has become a valuable tool for our agency to manage our content development process. Using their platform, we’ve tried many writers and narrowed the field to a handful of quality writers that fit well with our style and requirements. It’s definitely a valued tool for our company.” — Both reviews via Zerys website

10. Articlez

Description: Many customers turn to Articlez when they need extremely inexpensive copy for their blogs or other online properties. You can get an article, blog post, “blurb,” or other piece of content cheaply and quickly, but you’ll have to sacrifice quality.

The posts don’t undergo significant quality assurance before their release to the customer. You may also find grammatical errors. Writers also can’t include resource links in the content, so there’s no way to source information.

Pricing: Gold content is $.05 per word, elite content is $.09 per word, and press releases start at $69.

“I just had my first Press Release order with you guys completed and approved. Very well written compared to others that I have received from other companies. Refreshing.” — John Oszajca – MusicMarketingManifesto.com via Articlez.com “I purchased a couple articles for several of my blogs. I had requested about five articles for about [thirty-five] dollars. It took about eight days for the articles to be delivered to me. That took forever. Some of the articles had a couple grammatical errors. The rest of the articles had so many errors it looked like a third grader attempted to form an essay. I was highly disappointed because it felt like I had to reform the articles, which was pointless to buying them.” — via IM Report Card

Final Thoughts

When looking for a credible article-writing service, it’s crucial to make an informed decision to avoid wasting time, money, and disappointment with the content you get. Carefully evaluate your needs, research different providers, and consider the factors mentioned in this article. Choose an article-writing service that best aligns with your content marketing objectives. Remember, investing in high-quality content is an investment in your brand’s growth and success. 

If you’re looking for a quality article-writing service, click here to get a free trial from Media Shower ! Let us transform your ideas into impactful content that captivates and leaves a lasting impression on your audience.

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11 Best Content Writing Services in 2024 (Reviews & Pricing)

Engineering Team

December 7, 2023

Content is king. From email marketing campaigns to landing pages, content writing services have the potential to make a big difference to your bottom line.

Professional writers possess the skills and expertise to draft content that will speak to your audience, drive organic traffic, and get results. ✅ ✍️

The trick is finding content writing services you can count on. That’s where we come in!

We’ve rounded up the 11 best content writing services (with an emphasis on SEO) so you can execute a content plan that gets the job done.

  • What Should You Look For in Content Writing Services?

1. Writing Studio

2. compose.ly, 3. contentwriters, 4. wordagents, 6. contentgrow, 7. express writers, 8. scripted, 10. crowd content, 10. my content pal.

Avatar of person using AI

What Should You Look For in Content Writing Services ?

With countless content writing companies to choose from, how do you find the right one? Here’s what we suggest looking for in high-quality content writing services:

  • SEO expertise: Search engine optimization (SEO) is an ever-changing skillset that makes your web content visible, so look for a service with expert writers who specialize in SEO 📈
  • Unique content : Opt for custom content that speaks to your unique target audience and engages them 
  • Strict vetting : Look for content writing services that vet their freelance writers to avoid plagiarism and ensure you’re working with trusted professionals 
  • Fast turnaround times : Find a content writing service that can produce the turnaround times you need to keep your project plan on schedule
  • Free revisions : You deserve content you’re happy with, so look for a service that includes revisions in the cost of the content

The 11 Best Content Writing Services to Spruce Up Your Copy

Whether you need social media posts, blog writing, or white papers, we’ve highlighted content-writing services that can make it happen. Let’s dive into 11 content creation apps and websites you can count on. 🙌

Content writing services: How It Works page in Writing Studio

Writing Studio is a professional content writing service that can help you create ebooks, ecommerce product descriptions, SEO-optimized blog posts, white papers, press releases, and more. 📃

You’ll receive fully managed content writing services, including SEO keyword research, proofreading, fact-checking, CMS formatting, and more.

Writing Studio best features

  • Strict content quality monitoring to ensure you’re receiving top-notch online content
  • Several content types, ranging from ebooks to newsletters
  • Clear communication to work out your requirements before writers start the project
  • Professional services like SEO optimization, CMS formatting, and fact-checking included in every project

Writing Studio limitations

  • Limited customer feedback on popular review platforms
  • Some users say the project launch surveys are too long and time-consuming

Writing Studio pricing

  • 1-10k Words: $0.20/word
  • 10-100k Words: $0.16/word
  • 100k+ words: $0.15/word

Writing Studio ratings and reviews

  • G2: 5/5 (5+ reviews)
  • Capterra: N/A

Content writing services: project list in Compose.ly

Compose.ly is a content and article-writing service specializing in SEO and blog writing services. The company’s team is made up of entrepreneurs and content marketing experts who can execute cohesive content projects and produce blog articles that rank high for competitive search terms. ⬆️

Compose.ly best features

  • Comprehensive SEO plans can target short- and long-tail keywords for tangible increases in traffic
  • Free written content sample before you commit to a paid plan
  • An account management team guarantees instant access to thoroughly vetted writers with experience in a range of specific industries
  • No long-term contracts, just web content writing that can fit your budget 💰

Compose.ly limitations

  • Some users say you can’t request a favorite web content writer to handle your entire content plan
  • Reviewers report that it may take some time to hone in on the exact brand voice you want in your blog articles

Compose.ly pricing

  • Content Writing Services : $700+/month

Compose.ly ratings and reviews

  • G2: 5/5 (10+ reviews)

Content writing services: rating and commenting on a drafted blog post in ContentWriters

ContentWriters is a website content copywriting platform that connects you with specialized writers to bring your growth strategy to life. 🌱

Connect with freelancers who can meet your content needs on time while writing to your target audience and demonstrating an understanding of your subject matter.

ContentWriters best features

  • SEO services allow you to target keywords and terms that will increase visibility and help your site rank higher on search engine results pages
  • 100% content satisfaction guarantee with revisions included in every piece of content
  • Secure platform that allows you to connect with hand-selected professionals
  • Account management and custom content calendars make it easier to execute your SEO strategy

ContentWriters limitations

  • Advanced content management features are not available on the Self Service plan; interested users must upgrade to the Managed Services plan
  • User reviews mention the need for a 12-month contract on the Managed Services plan with no shorter contracts available

ContentWriters pricing

  • Self Service: $99+/piece
  • Managed Services: Contact for pricing

ContentWriters ratings and reviews

  • G2: 4.6/5 (80+ reviews)

Content writing services: orders page in WordAgents

WordAgents is a content writing agency run by a team of SEO pros who specialize in improving search rankings.

Connect with writers who can turn briefs into SEO-friendly content. They’ll help you improve brand awareness and lead generation without having to worry about keyword stuffing or plagiarism.

WordAgents best features

  • Connect with SEO writers, editors, and strategists who can help you rank and build authority in any industry
  • Rely on AI and SEO article writing tools to create web pages and blog posts that drive conversions
  • Preview writing samples before you pay anything to ensure you know what you’re signing up for

WordAgents limitations

  • SEO Lite plan does not provide human-written content; users get access to AI-generated content that has been edited by humans
  • Full marketing services are restricted to the SEO Supreme plan

WordAgents pricing

  • SEO Lite: $290/month
  • SEO Supreme: $890/month

WordAgents ratings and reviews

Content writing services: content queue in Verblio

Verblio is an SEO content writing service that boasts low per-word fees and content designed to drive conversions. Get access to a network of more than 3,000 vetted SEO content writers capable of producing effective, satisfaction-guaranteed copy for businesses in any industry.

Verblio best features

  • User-friendly interface is easy to navigate
  • Content writing services specialized for startups, marketing agencies, ecommerce brands, service providers, and digital publishing companies
  • Content writing services include homepage writing, blog articles, social media posts, marketing emails, white papers, press releases, and more
  • Network of U.S.-based writers and editors who speak English as their first language

Verblio limitations

  • Most content is not written by people; customers receive AI-created content with human editing
  • Reviews mention that preferred writers often reject articles, which may delay content strategies until another suitable writer is found

Verblio pricing

  • Self-Serve: $49.50/month plus $0.06/word
  • Enterprise : Contact for pricing

Verblio ratings and reviews

  • G2: 4.5/5 (40+ reviews)

ContentGrow's home page

ContentGrow is a platform designed to match freelance writing talent with clients using a straightforward workflow app. Each writer is carefully vetted through a multi-step process. Build your team of preferred freelance writers who can accept content orders on a first-come, first-serve basis. ✨

ContentGrow best features

  • Get access to a shortlist of project-appropriate writers to make it easier to connect with the talent you need
  • Request article pitches from a wide range of writers and only pay for content when you receive a story idea you like
  • Chat with the ContentGrow team if you have questions about how to create briefs, request pitches, or connect with freelancers
  • Receive quick response times and satisfaction-guaranteed work

ContentGrow limitations

  • No flat pricing plan; writers may give preference to clients who are willing to pay higher per-word prices
  • The hiring process relies on commissioning pitches from writers before an article is written, which may result in slower content-writing services

ContentGrow pricing

ContentGrow does not provide pricing information. However, users state clients can set preferred per-word rates that writers must accept before taking on a project.

ContentGrow ratings and reviews

  • G2: 5/5 (2+ reviews)

Steps on how to order custom content in Express Writers

Express Writers is an SEO content writing service that provides high-quality copy and access to seasoned industry professionals. Let the writers do the heavy lifting and creative content production , whether you need infographics, ebooks, blog posts, or all of the above. 🏋️

Express Writers best features

  • Content Shop lets you browse different types of content and average service costs before choosing a writer
  • Pay per word to ensure your content calendar fits your budget
  • Writers do in-depth research and fact-checking for all copy to ensure you’re getting high-quality content
  • Revisions and proofreading are included in the per-word prices so you get publish-ready content every time

Express Writers limitations

  • Users report that content sometimes encounters unexpected delays, making it hard to stay on schedule
  • Some users say they struggle to get quality consistency between writers even when requesting expert-level service providers

Express Writers pricing

  • Self-Service: Flexible per-word pricing

Express Writers ratings and reviews

  • G2: 4.5/5 (10+ reviews)

Giving feedback in Scripted

Scripted is a content writing service that combines AI-powered copywriting with human expertise so you can enjoy the best of both worlds. Take advantage of flexible pricing options to suit any budget, place orders with ease, and communicate with writers in real time.

Scripted best features

  • Free access to AI writing tools so you can draft content for your in-house teams to edit and improve
  • Access to thousands of freelance writers who specialize in various industries so you get the expertise you need
  • Members on paid plans can work with the Scripted team to create a winning content strategy (not available for Free plan users)
  • Connect with writers through the Scripted team so you can enjoy consistent communication

Scripted limitations

  • Free plan only provides access to AI-generated content; most plans emphasize AI-generated content with human editing
  • Some users report that finding the right writers for their needs is time-consuming

Scripted pricing

  • Starter: Free
  • Pro: $199/month
  • Team: $499/month
  • Enterprise + Agency: Contact for pricing

Scripted ratings and reviews

  • G2: 3.1/5 (50+ reviews)

Search tool in Upwork

Upwork is a freelance marketplace with professionals from a wide range of industries, including a massive network of content-writing specialists. 

Find talent, manage contracts, improve collaboration in the workplace , review work, and pay freelancers, all from one secure platform. 🔐🥇

Upwork best features

  • Check freelancer profiles, see projects they’ve completed, read reviews from their past clients, and sort writers by rating
  • Secure payment platform keeps you and the freelancer protected; you can add tips for a job well done, break projects into milestones, or pay by the hour
  • Create job postings for writers of specific skill levels, locations, time zones, and other qualifications
  • Build long-lasting relationships with writers, editors, and other freelance professionals

Upwork limitations

  • Users report the quality of content and communication varies between freelancers
  • The rating system can result in low star ratings on your client account, discouraging top talent from accepting work

Upwork pricing

  • Basic: $49.99+/month plus cost of content
  • Enterprise : $849/month plus cost of content

Upwork ratings and reviews

  • G2: 4.6/5 (1,800+ reviews)
  • Capterra: 4.5/5 (100+ reviews)

CrowdContent's dashboard

Crowd Content is an enterprise content writing service with a network of more than 6,000 freelance copywriters. Use the platform to connect with writers of your chosen skill level and area of expertise to help scale your business with targeted content. 🎯

Crowd Content best features

  • Projects that require fast turnaround times are often completed within 24-48 hours
  • Flexible pricing allows you to adjust the per-word rate to match your project’s budget
  • User-friendly platform makes it easy to place orders, pay freelancers, and review content
  • Multiple content types, ranging from landing pages and blog articles to social media posts and marketing emails 

Crowd Content limitations

  • Reviews mention difficulty finding freelancers who consistently produce high-quality work
  • Users say the internal scoring system for writers and written content can be confusing

Crowd Content pricing

  • Marketplace: $0.035+/word

Crowd Content ratings and reviews

  • G2: 3.9/5 (10+ reviews)

article writing co reviews

My Content Pal provides you with stress-free, well-researched content. They have a strict no AI policy, guaranteeing 100% human-crafted, SEO-optimized content that will resonate with your brand’s unique voice and your audience. 

My Content Pal is one of the only agencies that allow you to work directly with the writer. They provide your brand with a dedicated writer who’ll work on your campaigns and interact directly with your team.

My Content Pal best features

  • Strict no AI policy: Each piece of content is crafted by skilled human writers, ensuring brand alignment and authenticity. 
  • SEO Success Manager: You’ll benefit from expert SEO insights from a dedicated SEO Success Manager.
  • Build a relationship with your writer: You can engage directly with your dedicated writer.
  • Loyalty program: Long-term customers will receive credits to use on the editing service or graphic design services.
  • Affordable excellence: You can get premium content for as little as $0.08 per word.
  • Customizable plans: Purchase words based on your requirements, from just 10,000 words to 200,000 words.

My Content Pal limitations

  • You don’t get to pick your writer, but they’ll happily replace the writer if it’s not a good fit
  • Reviewers report that it may take some time to get started. My Content Pal has a lengthy but thorough onboarding process.
  • Content turnaround time of 72 hours for Dedicated Writer clients

My Content Pal pricing

  • My Content Pal offers pricing from $0.08 per word with no hidden fees. Their packages are scalable to accommodate unique content needs. They offer a full refund if you’re unhappy with the content.

My Content Pal ratings and reviews

  • Trustpilot : 4.8/5 with 54 reviews

Other Content Writing Tools

Not ready to hire a copywriter or commit to a content writing platform? Want to provide your in-house writers with the tools they need to succeed? We’ve got you covered with everything from content writing templates to industry-leading AI content generation.

ClickUp is the leading project management software on the market. While the platform doesn’t offer content writing services, it has several tools to help with press releases, product descriptions, and more.

Need to produce great content in a snap? ClickUp AI can generate emails, blog content, digital marketing copy, project briefs, meeting agendas, and status reports with simple prompts. It can also summarize meeting notes and generate action items, saving your team time and money. 🤩

Ready to connect your content to your workflows? Use ClickUp AI to create quality content in ClickUp Docs to enable seamless collaboration.

Want to give your content marketing strategy a facelift? Use ClickUp’s Content Management template to dial in your project plan. ✅

ClickUp can do it all. Seriously. Take a look at what you get:

  • Content writing templates and communication plan templates for every purpose
  • Hundreds of AI writing tools purpose-built for project management
  • Content calendar templates to keep your projects on track
  • Tools and features designed to improve workplace collaboration

ClickUp Teams Marketing makes it easy to brainstorm, plan, and execute content marketing campaigns across all platforms. Use it alongside ClickUp AI to generate campaign ideas, content briefs, case studies, and more without ever leaving the platform.

ClickUp best features

  • Content calendar software to keep your marketing and SEO plans on point
  • Hundreds of AI tools to help you produce high-quality content
  • Library of over 1,000 ready-made templates to fast-track every project
  • Content marketing software to boost your search engine rankings and drive traffic to your site

ClickUp limitations

  • Some users report a learning curve when familiarizing themselves with ClickUp’s tools (solved with free video tutorials and FAQs)
  • ClickUp AI is only available on paid plans

ClickUp pricing

  • Free Forever
  • Unlimited: $7/month per user
  • Business: $12/month per user
  • ClickUp AI is available on all paid plans for $5 per Workspace member per month

ClickUp ratings and reviews 

  • G2: 4.7/5 (9,200+ reviews)
  • Capterra: 4.7/5 (3,900+ reviews)

Words That Win

This curated list of the 11 best content writing services reflects evolving industry standards in industries across the board. Whether you’re in the market for SEO content writing services for your ecommerce site or need a freelancer to craft social media posts or white papers, you want vetted professionals who can deliver high-quality, original, and engaging content. 

Explore what other content writing tools can do for you. Get started for free today and sign up for ClickUp ! 🌞

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Article-Writing.co

Article-Writing.co

The HOTH

Companies looking for a solution to hire content writers and get persuasive content to win new customers

About Article-Writing.co

Helping you win new customers with persuasive content. Professional and reliable North American writers at your service. A critical focus at Article Writing Company is partnering with SEO, social media and PR companies to deliver a flexible 3rd party staff of content writers. Cost-effective and efficient, we eliminate wasted time at the client level. Working with an outsourced solution allows wonderful flexibility. Our work is delivered after going through the draconian hands of a two-layer copy edit. We instill best practices with our writing staff on a consistent basis. This means delivered content that is grammatically correct and truly valuable to the end reader. We love helping businesses and startups of any size define their editorial, and win the hearts + minds of new potential customers. We are passionate about the power of a well written and well thought-out content marketing campaign executed through your company’s blog.

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Writing the article review, sample article reviews, expert q&a.

This article was co-authored by Jake Adams . Jake Adams is an academic tutor and the owner of Simplifi EDU, a Santa Monica, California based online tutoring business offering learning resources and online tutors for academic subjects K-College, SAT & ACT prep, and college admissions applications. With over 14 years of professional tutoring experience, Jake is dedicated to providing his clients the very best online tutoring experience and access to a network of excellent undergraduate and graduate-level tutors from top colleges all over the nation. Jake holds a BS in International Business and Marketing from Pepperdine University. There are 12 references cited in this article, which can be found at the bottom of the page. This article has been fact-checked, ensuring the accuracy of any cited facts and confirming the authority of its sources. This article has been viewed 3,116,993 times.

An article review is both a summary and an evaluation of another writer's article. Teachers often assign article reviews to introduce students to the work of experts in the field. Experts also are often asked to review the work of other professionals. Understanding the main points and arguments of the article is essential for an accurate summation. Logical evaluation of the article's main theme, supporting arguments, and implications for further research is an important element of a review . Here are a few guidelines for writing an article review.

Education specialist Alexander Peterman recommends: "In the case of a review, your objective should be to reflect on the effectiveness of what has already been written, rather than writing to inform your audience about a subject."

Article Review 101

  • Read the article very closely, and then take time to reflect on your evaluation. Consider whether the article effectively achieves what it set out to.
  • Write out a full article review by completing your intro, summary, evaluation, and conclusion. Don't forget to add a title, too!
  • Proofread your review for mistakes (like grammar and usage), while also cutting down on needless information.

Step 1 Understand what an article review is.

  • Article reviews present more than just an opinion. You will engage with the text to create a response to the scholarly writer's ideas. You will respond to and use ideas, theories, and research from your studies. Your critique of the article will be based on proof and your own thoughtful reasoning.
  • An article review only responds to the author's research. It typically does not provide any new research. However, if you are correcting misleading or otherwise incorrect points, some new data may be presented.
  • An article review both summarizes and evaluates the article.

Step 2 Think about the organization of the review article.

  • Summarize the article. Focus on the important points, claims, and information.
  • Discuss the positive aspects of the article. Think about what the author does well, good points she makes, and insightful observations.
  • Identify contradictions, gaps, and inconsistencies in the text. Determine if there is enough data or research included to support the author's claims. Find any unanswered questions left in the article.

Step 3 Preview the article.

  • Make note of words or issues you don't understand and questions you have.
  • Look up terms or concepts you are unfamiliar with, so you can fully understand the article. Read about concepts in-depth to make sure you understand their full context.

Step 4 Read the article closely.

  • Pay careful attention to the meaning of the article. Make sure you fully understand the article. The only way to write a good article review is to understand the article.

Step 5 Put the article into your words.

  • With either method, make an outline of the main points made in the article and the supporting research or arguments. It is strictly a restatement of the main points of the article and does not include your opinions.
  • After putting the article in your own words, decide which parts of the article you want to discuss in your review. You can focus on the theoretical approach, the content, the presentation or interpretation of evidence, or the style. You will always discuss the main issues of the article, but you can sometimes also focus on certain aspects. This comes in handy if you want to focus the review towards the content of a course.
  • Review the summary outline to eliminate unnecessary items. Erase or cross out the less important arguments or supplemental information. Your revised summary can serve as the basis for the summary you provide at the beginning of your review.

Step 6 Write an outline of your evaluation.

  • What does the article set out to do?
  • What is the theoretical framework or assumptions?
  • Are the central concepts clearly defined?
  • How adequate is the evidence?
  • How does the article fit into the literature and field?
  • Does it advance the knowledge of the subject?
  • How clear is the author's writing? Don't: include superficial opinions or your personal reaction. Do: pay attention to your biases, so you can overcome them.

Step 1 Come up with...

  • For example, in MLA , a citation may look like: Duvall, John N. "The (Super)Marketplace of Images: Television as Unmediated Mediation in DeLillo's White Noise ." Arizona Quarterly 50.3 (1994): 127-53. Print. [9] X Trustworthy Source Purdue Online Writing Lab Trusted resource for writing and citation guidelines Go to source

Step 3 Identify the article.

  • For example: The article, "Condom use will increase the spread of AIDS," was written by Anthony Zimmerman, a Catholic priest.

Step 4 Write the introduction.

  • Your introduction should only be 10-25% of your review.
  • End the introduction with your thesis. Your thesis should address the above issues. For example: Although the author has some good points, his article is biased and contains some misinterpretation of data from others’ analysis of the effectiveness of the condom.

Step 5 Summarize the article.

  • Use direct quotes from the author sparingly.
  • Review the summary you have written. Read over your summary many times to ensure that your words are an accurate description of the author's article.

Step 6 Write your critique.

  • Support your critique with evidence from the article or other texts.
  • The summary portion is very important for your critique. You must make the author's argument clear in the summary section for your evaluation to make sense.
  • Remember, this is not where you say if you liked the article or not. You are assessing the significance and relevance of the article.
  • Use a topic sentence and supportive arguments for each opinion. For example, you might address a particular strength in the first sentence of the opinion section, followed by several sentences elaborating on the significance of the point.

Step 7 Conclude the article review.

  • This should only be about 10% of your overall essay.
  • For example: This critical review has evaluated the article "Condom use will increase the spread of AIDS" by Anthony Zimmerman. The arguments in the article show the presence of bias, prejudice, argumentative writing without supporting details, and misinformation. These points weaken the author’s arguments and reduce his credibility.

Step 8 Proofread.

  • Make sure you have identified and discussed the 3-4 key issues in the article.

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Write Articles

  • ↑ https://libguides.cmich.edu/writinghelp/articlereview
  • ↑ https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4548566/
  • ↑ Jake Adams. Academic Tutor & Test Prep Specialist. Expert Interview. 24 July 2020.
  • ↑ https://guides.library.queensu.ca/introduction-research/writing/critical
  • ↑ https://www.iup.edu/writingcenter/writing-resources/organization-and-structure/creating-an-outline.html
  • ↑ https://writing.umn.edu/sws/assets/pdf/quicktips/titles.pdf
  • ↑ https://owl.purdue.edu/owl/research_and_citation/mla_style/mla_formatting_and_style_guide/mla_works_cited_periodicals.html
  • ↑ https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4548565/
  • ↑ https://writingcenter.uconn.edu/wp-content/uploads/sites/593/2014/06/How_to_Summarize_a_Research_Article1.pdf
  • ↑ https://www.uis.edu/learning-hub/writing-resources/handouts/learning-hub/how-to-review-a-journal-article
  • ↑ https://writingcenter.unc.edu/tips-and-tools/editing-and-proofreading/

About This Article

Jake Adams

If you have to write an article review, read through the original article closely, taking notes and highlighting important sections as you read. Next, rewrite the article in your own words, either in a long paragraph or as an outline. Open your article review by citing the article, then write an introduction which states the article’s thesis. Next, summarize the article, followed by your opinion about whether the article was clear, thorough, and useful. Finish with a paragraph that summarizes the main points of the article and your opinions. To learn more about what to include in your personal critique of the article, keep reading the article! Did this summary help you? Yes No

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An article review is a critical evaluation of a scholarly or scientific piece, which aims to summarize its main ideas, assess its contributions, and provide constructive feedback. A well-written review not only benefits the author of the article under scrutiny but also serves as a valuable resource for fellow researchers and scholars. Follow these steps to create an effective and informative article review:

1. Understand the purpose: Before diving into the article, it is important to understand the intent of writing a review. This helps in focusing your thoughts, directing your analysis, and ensuring your review adds value to the academic community.

2. Read the article thoroughly: Carefully read the article multiple times to get a complete understanding of its content, arguments, and conclusions. As you read, take notes on key points, supporting evidence, and any areas that require further exploration or clarification.

3. Summarize the main ideas: In your review’s introduction, briefly outline the primary themes and arguments presented by the author(s). Keep it concise but sufficiently informative so that readers can quickly grasp the essence of the article.

4. Evaluate the strengths and weaknesses: In subsequent paragraphs, assess the strengths and limitations of the article based on factors such as methodology, quality of evidence presented, coherence of arguments, and alignment with existing literature in the field. Be fair and objective while providing your critique.

5. Discuss any implications: Deliberate on how this particular piece contributes to or challenges existing knowledge in its discipline. You may also discuss potential improvements for future research or explore real-world applications stemming from this study.

6. Provide recommendations: Finally, offer suggestions for both the author(s) and readers regarding how they can further build on this work or apply its findings in practice.

7. Proofread and revise: Once your initial draft is complete, go through it carefully for clarity, accuracy, and coherence. Revise as necessary, ensuring your review is both informative and engaging for readers.

Sample Review:

A Critical Review of “The Effects of Social Media on Mental Health”

Introduction:

“The Effects of Social Media on Mental Health” is a timely article which investigates the relationship between social media usage and psychological well-being. The authors present compelling evidence to support their argument that excessive use of social media can result in decreased self-esteem, increased anxiety, and a negative impact on interpersonal relationships.

Strengths and weaknesses:

One of the strengths of this article lies in its well-structured methodology utilizing a variety of sources, including quantitative surveys and qualitative interviews. This approach provides a comprehensive view of the topic, allowing for a more nuanced understanding of the effects of social media on mental health. However, it would have been beneficial if the authors included a larger sample size to increase the reliability of their conclusions. Additionally, exploring how different platforms may influence mental health differently could have added depth to the analysis.

Implications:

The findings in this article contribute significantly to ongoing debates surrounding the psychological implications of social media use. It highlights the potential dangers that excessive engagement with online platforms may pose to one’s mental well-being and encourages further research into interventions that could mitigate these risks. The study also offers an opportunity for educators and policy-makers to take note and develop strategies to foster healthier online behavior.

Recommendations:

Future researchers should consider investigating how specific social media platforms impact mental health outcomes, as this could lead to more targeted interventions. For practitioners, implementing educational programs aimed at promoting healthy online habits may be beneficial in mitigating the potential negative consequences associated with excessive social media use.

Conclusion:

Overall, “The Effects of Social Media on Mental Health” is an important and informative piece that raises awareness about a pressing issue in today’s digital age. Given its minor limitations, it provides valuable

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Car dealerships in North America revert to pens and paper after cyberattacks on software provider

Car dealerships across North America continue to wrestle with major disruptions that started last week with cyberattacks on a software company used widely in the auto retail sales sector (AP video: Mike Householder)

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FILE - Vehicles sit in a row outside a dealership, June 2, 2024, in Lone Tree, Colo. Car dealerships across North America have faced a major disruption this week. CDK Global, a company that provides software for thousands of auto dealers in the U.S. and Canada, was hit by back-to-back cyberattacks on Wednesday, June 19, 2024. (AP Photo/David Zalubowski, File)

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NEW YORK (AP) — Car dealerships in North America are still wrestling with major disruptions that started last week with cyberattacks on a company whose software is used widely in the auto retail sales sector.

CDK Global, a company that provides software for thousands of auto dealers in the U.S. and Canada, was hit by back-to-back cyberattacks Wednesday. That led to an outage that has continued to impact operations.

For prospective car buyers, that’s meant delays at dealerships or vehicle orders written up by hand. There’s no immediate end in sight, but CDK says it expects the restoration process to take “several days” to complete.

On Monday, Group 1 Automotive Inc., a $4 billion automotive retailer, said it is using “alternative processes” to sell cars to its customers. Lithia Motors and AutoNation, two other dealership chains, also disclosed that they implemented workarounds to keep their operations going.

Here is what you need to know.

What is CDK Global?

CDK Global is a major player in the auto sales industry. The company, based just outside of Chicago in Hoffman Estates, Illinois, provides software technology to dealers that helps with day-to-day operations — like facilitating vehicle sales, financing, insurance and repairs.

Image

CDK serves more than 15,000 retail locations across North America, according to the company.

What happened last week?

CDK experienced back-to-back cyberattacks on Wednesday. The company shut down all of its systems after the first attack out of an abundance of caution, according to spokesperson Lisa Finney, and then shut down most systems again following the second.

“We have begun the restoration process,” Finney said in an update over the weekend — noting that the company had launched an investigation into the “cyber incident” with third-party experts and notified law enforcement.

“Based on the information we have at this time, we anticipate that the process will take several days to complete, and in the interim we are continuing to actively engage with our customers and provide them with alternate ways to conduct business,” she added.

In messages to its customers, the company has also warned of “bad actors” posing as members or affiliates of CDK to try to obtain system access by contacting customers. It urged them to be cautious of any attempted phishing.

The incident bore all the hallmarks of a ransomware attack, in which targets are asked to pay a ransom to access encrypted files. But CDK declined to comment directly — neither confirming or denying if it had received a ransom demand.

“When you see an attack of this kind, it almost always ends up being a ransomware attack,” Cliff Steinhauer, director of information security and engagement at the National Cybersecurity Alliance. “We see it time and time again unfortunately, (particularly in) the last couple of years. No industry and no organization or software company is immune.”

Are impacted dealerships still selling cars?

Several major auto companies — including Stellantis, Ford and BMW — confirmed to The Associated Press last week that the CDK outage had impacted some of their dealers, but that sales operations continue.

In light of the ongoing situation, a spokesperson for Stellantis said Friday that many dealerships had switched to manual processes to serve customers. That includes writing up orders by hand.

A Ford spokesperson added that the outage may cause “some delays and inconveniences at some dealers and for some customers.” However, many Ford and Lincoln customers are still getting sales and service support through alternative routes being used at dealerships.

“The people who’ve been around longer — you know, guys who have maybe a little salt in their hair like me — we remember how to do it before the computers,” said John Crane of Hawk Auto Group, a Westmont, Illinois-based dealership operator that uses CDK. “It’s just a few more steps and a little bit more time.”

Although impacted Hawk Auto dealerships are still able to serve customers by “going back to the basics,” Crane added that those working in administration are still “pulling out our hair.” He notes that there are now stacks of paper awaiting processing — in place of orders that went through automatically on a computer overnight.

Group 1 Automotive Inc. said Monday that the incident has disrupted its business applications and processes in its U.S. operations that rely on CDK’s dealers’ systems. The company said that it took measures to protect and isolate its systems from CDK’s platform.

In regulatory filings, Lithia Motors and AutoNation disclosed that last week’s incident at CDK had disrupted their operations as well.

Lithia said it activated cyber incident response procedures, which included “severing business service connections between the company’s systems and CDK’s.” AutoNation said it also took steps to protect its systems and data, adding that all of its locations remain open “albeit with lower productivity,” as many are served manually or through alternative processes.

HOW CAN I PROTECT MYSELF?

With many details of the cyberattacks still unclear, customer privacy is also at top of mind — especially with little known about what information may have been compromised this week.

If you’ve bought a car from a dealership that’s used CDK software, cybersecurity security experts stress that it’s important to assume your data may have been breached. That could potentially include “pretty sensitive information,” Steinhauer noted, like your social security number, employment history, income and current or former addresses.

Those impacted should monitor their credit — or even freeze their credit as an added layer of defense — and consider signing up for identify theft monitor insurance. You’ll also want to be wary of any phishing attempts. It’s best to make sure you have reliable contact information for a company by visiting their official website, for example, as scammers sometimes try to take advantage of news about data breaches to gain your trust through look-alike emails or phone calls.

Those are some best practices to keep in mind whether you’re a victim of CDK’s data breach or not, Steinhauer said. “Unfortunately, in this day and age, our data is a valuable target — and you have to make sure that you’re taking steps to protect it,” he said.

Associated Press writer Mike Householder in Detroit contributed to this report.

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  • Best for customer satisfaction: State Farm Life Insurance
  • Best for older adults: Prudential Life Insurance
  • Best for agent support: New York Life Insurance
  • Best for long-term care: Columbus Life
  • Best for high returns: Allianz Life
  • Best for term life: North American Company

Best Life Insurance Companies of 2024

While there is no such thing as the objective best life insurance policy, you will be able to find the best insurance policy for your specific needs. Here are our picks for the best life insurance companies, whether you want to use your life insurance policy to build wealth through cash value or you're just looking for a term life insurance policy .

Best Life Insurance for Customer Satisfaction

State farm life insurance.

State Farm Life Insurance gets the best life insurance ranking in J.D Power's Individual Life Insurance Study, with a score of 843/1,000. The company is also ranked A++ with AM Best for its financial stability with term, universal, and whole life insurance options. 

All State Farm policies have to be purchased through a State Farm agent. Your agent can help you bundle and save or buy one policy. State Farm is also among the companies offering "survivorship universal life insurance ," which means the policy covers two people, and it kicks in after the second person dies. Couples looking to maximize their death benefit for beneficiaries with one premium payment each month may enjoy lower overall costs.

State Farm agents can run quotes and compare options to find the right plans for each applicant. The range of options, discounts, and familiar name all contribute to the popularity of State Farm's life insurance.

Read our State Farm Life Insurance review .

State Farm State Farm Life Insurance

Bundling is standard, and agents often quote with multiple discounts.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Best in JD Power customer service ratings
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a range of different insurance products to meet buyer needs
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Agents are knowledgeable about its products
  • con icon Two crossed lines that form an 'X'. Life insurance products are conservative and limited
  • con icon Two crossed lines that form an 'X'. Buyers may be subject to multi-year waiting periods before they qualify for full payouts on life insurance policies
  • con icon Two crossed lines that form an 'X'. State Farm agents cannot offer alternative options if State Farm is unable to bind a life insurance policy

State Farm is one of the insurance industry's most prominent insurers offering auto, home, and other insurance. Bundling is standard, and agents often quote with multiple discounts. Its term, universal, and whole life insurance products are no exception.

  • Life insurance products include term and permanent life
  • Ranks highly for customer satisfaction

Best Life Insurance for Older Adults

Prudential vul protector life insurance.

Prudential Life Insurance is available in all states except New York. New York residents can buy the Pruco Life of New Jersey VUL Protector plan. This plan allows buyers to pull money out of their plan to pay for nursing home expenses. Cash value policy premiums are fixed, so you won't have to worry about extra costs later on. Internal costs are low, which minimizes risk. Due to age, many older adults want a safe investment option for their money. Prudential VUL Protector invests to avoid loss. That also means you're not as likely to see big increases in your available funds outside of what you deposit.

Read our Prudential Life Insurance review .

Prudential Prudential Life Insurance

Offers aggressive financial plans.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can withdraw money to pay for nursing home bills due to severe illness or disability
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options
  • con icon Two crossed lines that form an 'X'. Financial returns are limited
  • con icon Two crossed lines that form an 'X'. Limited policy options for seniors and other groups who might struggle to find life insurance

The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception.

Best Life Insurance for Long-Term Care

Columbus life insurance.

Columbus Life offers a wide range of riders to customize your policy with affordable premiums. The company also allows you to convert term policies to whole life insurance policies until the end of your term (generally around age 70). For this and many other reasons, customer satisfaction is high.

When using living health benefits (otherwise known as accelerated death benefits), buyers are allowed to pull money from policies early to pay for medical bills, living costs, etc. under certain circumstances. Most companies use a discounted death benefit, which reduces your final payout using two models. Columbus uses the lien method, which makes it easier to calculate the financial impact of pulling money out early.

Columbus Columbus Life

Offers lien method to makes it easier to calculate the financial impact of pulling money out early.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can pull money out for medical and other bills in the event of disease or disability
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Columbus uses lien method to simplify accelerated death payments
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a wide range of riders to customize policies
  • con icon Two crossed lines that form an 'X'. Premiums may be higher than competitors
  • con icon Two crossed lines that form an 'X'. Term policies are not guaranteed to be converted to whole

Best for long-term care and accelerated death benefits.

Best Life Insurance for High Returns on Income

Allianz life insurance.

Allianz Life plans are geared towards high-income adults looking for more tax-free income. Allianz offers a 40% multiplier bonus with a 1% annual assets charge. In short, the professionals managing your investments take 10%. Overall, your investments would pull in an extra 14%-1% asset charge. This means you end up with 3% more than what you deposit every year your life policy is active. This plan offers strong returns when using a life policy to supplement your retirement savings. Allianz also offers specialized plans to grow your income by as much as 20% according to some estimates.

Of note: Allianz also offers plans for foreign nationals, including those with H-1B visas.

Allianz Allianz Life

Offers life insurance policies for foreign nationals with H-1B visas.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans offer high returns on investment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great for investment and long-term retirement planning
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. May increase your income by as much as 20%
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Allianz offers plans for foreign nationals including H-1B visas
  • con icon Two crossed lines that form an 'X'. Plans are meant specifically for high-income adults, alternatives may not be offered

Best for investing and high returns on income.

Best Life Insurance for Agent Support

New york life insurance.

New York Life Insurance agents go through extensive training before they ever hit the sales floor. What does this get you? Policies vary widely, and New York Life offers both large and small payouts. Some policies have significant penalties for early withdrawal, but taking a loan offers more options. Whatever your questions, New York Life agents are trained to offer comprehensive support giving you accurate information about its policies every time. The company comes in at position eight in J.D. Power's latest life insurance customer satisfaction study.

Read our New York Life Insurance review here.

New York Life New York Life Insurance

Offers aggressive financial products and extensively trained agents.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong life insurance options for financial planning and wealth building
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies available nationwide
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable life insurance agents
  • con icon Two crossed lines that form an 'X'. May require a medical exam
  • con icon Two crossed lines that form an 'X'. Buyers looking for more modest policies may not find the most competitive pricing

If you're preparing for a comfortable retirement or looking to build generational wealth, New York Life is one of the strongest options. If you have questions or genuinely want to understand your life insurance options, New York Life agents are among the most qualified professionals in the business.

  • Life insurance provider with policies available across the US

Best Life Insurance for Term Life

North american life insurance.

North American Company offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more. The company allows one conversion on a 20-year policy at 15 years or 70 years old (whichever is earlier). The conversion cannot happen later than the five-year marker regardless of which policy you choose or the length. North American Company also offers a term policy with a lower premium renewable up to the age of 95 for qualifying insureds.

Sammons Financial North American Company

Offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more.

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers accelerated death benefits for critical, chronic, and terminal illnesses
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers conversion for life policies up to 70 years old
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Term policies can be renewed up to age 95 for qualifying applicants
  • con icon Two crossed lines that form an 'X'. Not all term policies qualify for renewal or conversion

Best Term Policy.

Types of Life Insurance

While there's many different types of life insurance policies , broadly speaking, there are two types of life insurance: temporary and permanent. Let's go over each in detail.

Temporary life insurance

Temporary life insurance is often called term life insurance. This type of policy covers you for a set amount of time before expiring, usually between 10-30 years. If you pass away after your policy expires, your family won't receive any benefits. Additionally, your policy won't accrue cash value like a permanent policy. That said, some term life insurance policies offer a conversion from term to whole life insurance, so you can extend your coverage. 

Because its benefits aren't guaranteed, term life policies are generally cheaper than permanent life insurance. That said, the vast majority of term life insurance policies never pay out. on

Permanent life insurance

Permanent life insurance is an umbrella term for a variety of life insurance policies that will insure you indefinitely and guarantee a payout as long as you maintain your policy. Policy types that fall under permanent life insurance includes:

  • Whole life insurance
  • Universal life insurance
  • Variable life insurance
  • Variable universal life insurance
  • Simplified life insurance
  • Guaranteed issue life insurance

These policies vary widely in purpose and intended buyers, but all guarantee death benefits to your loved ones. Some permanent life insurance policies, like whole, universal, and variable have a cash value component , which you can use as a savings tool or to leave your heirs a larger death benefit.

How to Pick the Best Life Insurance Policy for You

Finding the right fit in life insurance starts with finding a trusted insurance agent. Because there are so many state regulations, shopping for homeowners or auto insurance can be easily done online. Life insurance is not required. So it's a voluntary purchase. Many buyers don't know what they need or when they need it. Before making your selection, consider a few things:

Some companies will sell you a policy for your child as soon as they're born. While this may seem morbid, early sign-up means lower rates for a policy your child could enjoy in the future. Regardless, early sign-up equates to more policy for lower premiums and a higher likelihood of acceptance. At 20, you may be healthier and be able to pay into the policy for a longer period compared to when you're 50 with more age-related conditions.

As a general rule, never agree to more than you can afford. For the average life insurance agent, their job is to sell you a large policy with a large commission. Consider not only how much you make now, but how likely your current income is to continue. If you work on a project basis and your project is scheduled to end in 12 months, you may want to reconsider a policy premium outside your monthly savings.

How much are you prepared to buy? Some people only want a small policy to cover funerals and other end-of-life expenses. Others build a life policy into their retirement plan. Whatever direction you're going, involving a financial planner could help you make the right decisions. Depending on the carrier, customers can also compare set limits with index universal life policies, which set no limit. These policies never expire, and the value builds over the entirety of your life.

Living Benefits

Life happens unexpectedly. You could be healthy one day and in the hospital the next. Many life policies offer living benefits. These allow you to draw a limited amount out of your policy to cover medical and other bills you cannot pay while sick.

Much like a 401(k), many life insurance policies have penalties for early withdrawal. No matter what policy you want, this question is critical to an informed decision. It's a question of how early you can withdraw and how much you'll lose from the total to have the money in 10 years instead of 30 or after death.

Some policies require insured parties to pay premiums for at least one year before any significant payout would be available. Suicide exclusions are common. Even with no medical exam policies, the company may still do a check for known conditions. An insurance company has to mitigate its risk.

Flexibility

Once you've been denied a life insurance policy, a mark goes on your record. No matter the reasons, other insurance companies may deny you coverage based on the first denial. So consider your whole situation and choose your policy carefully before you submit any applications. Some policies have greater flexibility if you lose your job or otherwise can't make payments. Others will lapse if you miss even one payment.

Payment Type

Even within whole life or term life insurance policies, customers have the option to choose guaranteed fixed or variable rates. Some have guaranteed payouts, but you'll need to ask your agent for details.

What is your intended use? Why are you shopping for a life insurance policy in the first place, and what are your goals? Many successful financial planners also have a background in life insurance. So while they may not be able to find you a specific life insurance policy, financial planners can help you set out a blueprint for your purchase.

Why You Should Trust Us: How We Reviewed the Best Life Insurance Companies

In life insurance, it's easy to get "sold a bill of goods." Many life insurance agents pass a state test to be thrown into the deep end. Agents sell the company product, but not all know the products. In this vein, we look at the products each company offers. We also look at agent training.

A good life insurance agent may not volunteer all facts upfront. But a company's agents should answer questions about its products accurately and in a way the average consumer can digest. Agents should be able to inform you about the long-term benefits and limitations. This will help customers find the right policy for their long-term plan.

We consider affordability, policy sizes available, and performance for a comprehensive assessment in our life insurance rating methodology . If you can, we recommend also working with a financial advisor to make a plan for your future with life insurance.

Our Expert Panel for The Best Life Insurance Companies

To inform our choices for the best life insurance companies, we spoke with the following experts:

  • Paul LaPiana , head of product at MassMutual
  • Barbara Pietrangelo , CFP, CLU, and chair of the nonprofit Life Happens
  • Wykeeta Peel , Corporate Vice President and Market Manager, African American Market Unit at New York Life

The Experts' Advice on Choosing The Best Life Insurance for You

How much life insurance coverage do you believe the average buyer should have.

Paul LaPiana, Head of Product at MassMutual

"There are different approaches to determining how much life insurance you need. One is the 'human life' approach, which estimates the current value of your future earning potential. Another is securing specific coverage to pay off debts such as a mortgage or provide for the education of children. A comprehensive protection plan should provide the right amount of coverage over the course of your working life and into retirement."

Barbara A. Pietrangelo, Chair of Life Happens

"There is no one-size-fits-all life insurance policy because everyone is different. One way to get a rough estimate is to multiply your income by 10 to 15; another is adding $100,00 to that amount, should you have a child and anticipate college education expenses.

Your best bet is to talk to a financial professional or use the Life Insurance Needs Calculator on LifeHappens.org to analyze what's right for you."

Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life

"As you consider what policy best meets your needs, it can help to answer four key questions: First, how much death benefit do you need? Second, how long will you need that coverage? Third, what is your budget (or how much monthly premium can you afford to pay?), and finally, what is your investment risk tolerance?

To determine how much death benefit makes sense, it's helpful to think beyond using life insurance to cover funeral expenses and consider whether anyone is relying on the policy owner's income to maintain a lifestyle, pay rent or a mortgage, or fund a child's education and for how long.

There are various rules of thumb regarding the right amount of Life insurance coverage. Some tips can be found online, but they only provide an estimate and don't necessarily factor in an individual's specific needs. In my opinion, human guidance, powered by technology, is required. Basically, it comes down to how much money your loved ones would need to remain on firm financial ground if your earnings were no longer in the picture and that is different for everyone."

What is the biggest opportunity you see for improvement in the life insurance industry?

"Increased accessibility through digital and other channels as well as through underwriting enhancements. Increased tailoring of products and features. And an increased emphasis on health and wellness programs."

"Having enough qualified insurance professionals to walk potential buyers through the multiple benefits of life insurance will be pivotal to the growth of the industry. Education is a key factor here, as professional agents also need to be able to explain life insurance and its benefits in an easy, digestible way, especially when there are so many misconceptions about life insurance."

"The need for life insurance is greater than ever. In fact, a recent New York Life Wealth Watch survey found that 37% of adults have been thinking about life insurance more often these days – and half of adults report that financial products that provide protection (50%) and reliability (50%) are more important now compared to last year. This may be especially true for middle-market and Cultural Market families.

Our organizational structure of having Cultural Market agents embedded in the communities where we live and work allows us to understand the needs of diverse communities and develop solutions that resonate with them."

What advice would you give to buyers who are debating whether or not to buy life insurance?

"It is difficult to say with any certainty how healthy you will be years from now. That's why securing life insurance, and insuring your insurability, today, when you are the youngest you'll ever be again, and perhaps your healthiest is a wise decision."

"Do you love someone? If the answer is yes, then life insurance is certainly something you should consider. Many buy gifts and experiences to express their love, but haven't considered that life insurance is just another way to say I love you. Nothing says support like ensuring your family's financial security and peace of mind."

"If you have someone depending on your income, you should consider purchasing life insurance. A death benefit from a life insurance policy can replace income from the loss of a breadwinner, ensure a family can stay in their home, fund educational or retirement expenses, address debt and so much more.

A life insurance policy can also help you grow your family's wealth over time. Once the risk of an unexpected loss has been managed, you can begin to think more broadly about your family's financial future. Life insurance can enable your mindset to shift from death to growth."

What's the most important thing buyers should look for when choosing a life insurance agent/company to buy from?

"With life insurance, you are securing a future commitment that may be decades away. Research the company behind the policy to ensure it has high financial strength ratings, longevity, and an excellent track record of paying claims."

"When looking for an insurance agent or company, be sure to do your research. When comparing companies, be sure to remember that the policy features that fit you and your loved ones best is the most important factor. Don't automatically assume you should buy from the higher-rated company.

If the policy from the other company has more of what you're looking for, it might be the better choice. If you're unsure where to start, try the Life Happens Agent Locator to find an insurance professional in your area."

  • "The insurers' track record: At its core, life insurance is protection - a hedge against the unexpected - and you are paying premiums in exchange for the promise that the insurer will be there when you need them, so the financial strength and track record of the company backing your policy is critical.
  • Customer service: Are service professionals available by phone and digital channels? Is there is an online dashboard where you can manage your policy? Beyond ensuring assistance is available after you purchase a policy, it's also critical to ensure you have access to trusted advice and guidance before you buy.
  • Flexibility in conversion: How easy is it to change? Life can be unpredictable and while term insurance can cover your loved ones through a critical period of time, you may decide that access to cash value is an important piece of your strategy.
  • Accelerated online applications : Online applications are convenient but don't replace human guidance. Keep in mind that accelerated online applications may have a maximum coverage amount, meaning that you may not be able to get all the coverage you may need exclusively through an online process.
  • A range of payment options: It's important to understand how often you're required to make premium payments and whether and how often you can change the frequency of payments."

Best Life Insurance FAQs

According to JD Power's 2023 life insurance study, State Farm is the highest-rated life insurance company when it comes to overall customer satisfaction. However, you still may want to shop around for quotes from various insurers if you're looking to purchase a new policy.

There isn't one best life insurance company, because the best option for you will depend on the type of policy you're looking for. It's best to work with a qualified insurance agent to help you find the best coverage. If you're deciding between multiple similar options, it's also worth consulting J.D. Power's life insurance customer satisfaction study . The latest study ranks State Farm as the top pick for individual life insurance, outpacing Nationwide by three points.

The best type of life insurance policy for you will differ from someone else's, as your policy should be tailored to your needs. The best policy for you will be affordable and will offer the benefits best suited to your situation. For example, some policies are only meant to cover end-of-life expenses such as burial and funeral arrangements, whereas others include living benefits like a cash value insurance plan , which you can borrow against during your lifetime.

Some life insurance policies are advertised as "no medical exam." This doesn't mean the insurer won't ask you about known conditions or look at medical records. Policies with no medical exam also tend to offer lower benefits with higher premiums. Most companies have a network of medical examiners, some of whom can come to your home. You can find our guide on the best no exam life insurance here.

Each situation is different and requires a knowledgeable life insurance agent to assess your best options. Bring all your questions and the coverage you're looking for to an insurance agent near you to explore your options.

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Journal of Materials Chemistry A

Unveiling the recent advances in micro-electrode materials and configurations for sodium-ion micro-batteries.

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* Corresponding authors

a Department of Semiconductors, Materials and Energy Research Center (MERC), P.O. Box 14155/4777, Tehran, Iran E-mail: [email protected]

The recent advances in portable and smart devices require modern microelectronics to be miniaturized, leading to the need for small, lightweight, reliable, and on-chip integrated energy storage systems like rechargeable micro-batteries (ÎźBs). Nowadays, sodium-ion micro-batteries (SIÎźBs) are one of the competitive applicants and attractive candidates due to their superior performance compared to lithium alternatives in terms of cost, resources, safety, and high power. Despite these advantages, SIÎźBs can increase their energy density by selecting proper micro-electrodes (ÎźEs). This review covers the latest developments in the state-of-the-art of electrode materials and one-, two-, and three-dimensional configurations for high-performance SIÎźBs in different applications. In particular, the focus is on selecting electrode materials based on electrodes' sodium storage mechanisms and safety issues that effectively improve SIÎźBs performance and future challenges. Opportunities in this area are also discussed. Subsequently, recent achievements of different configurations technology of ÎźEs associated with the various active materials and manufacturing methods of them are explained to achieve high energy density SIÎźBs. Ultimately, the potential future of advanced SIÎźBs based on the current progress establishes practical pathways for research and industry.

Graphical abstract: Unveiling the recent advances in micro-electrode materials and configurations for sodium-ion micro-batteries

  • This article is part of the themed collection: Journal of Materials Chemistry A Recent Review Articles

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Washington Post Publisher and Incoming Editor Are Said to Have Used Stolen Records in Britain

Years before becoming The Post’s publisher, Will Lewis assigned an article based on stolen phone records, a former reporter said.

Will Lewis speaks while sitting on a white sofa near a small table in an office.

By Justin Scheck and Jo Becker

Reporting from London

The publisher and the incoming editor of The Washington Post, when they worked as journalists in London two decades ago, used fraudulently obtained phone and company records in newspaper articles, according to a former colleague, a published account of a private investigator and an analysis of newspaper archives.

Will Lewis, The Post’s publisher, assigned one of the articles in 2004 as business editor of The Sunday Times. Another was written by Robert Winnett, whom Mr. Lewis recently announced as The Post’s next executive editor.

The use of deception, hacking and fraud is at the heart of a long-running British newspaper scandal, one that toppled a major tabloid in 2010 and led to years of lawsuits by celebrities who said that reporters improperly obtained their personal documents and voice mail messages.

Mr. Lewis has maintained that his only involvement in the controversy was helping to root out problematic behavior after the fact, while working for Rupert Murdoch’s News Corporation .

But a former Sunday Times reporter said on Friday that Mr. Lewis had personally assigned him to write an article in 2004 using phone records that the reporter understood to have been obtained through hacking.

After that story broke, a British businessman who was the subject of the article said publicly that his records had been stolen. The reporter, Peter Koenig, described Mr. Lewis as a talented editor — one of the best he had worked with. But as time went on, he said Mr. Lewis changed.

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