Plainly, what we are and aren't.

K.Actuary is not currently a licensed insurance agency, broker or insurer, and does not sell, solicit or negotiate insurance. We do not recommend a particular insurer or policy to you. Nothing on this site is an offer of insurance. If that ever changes, this page will say so first — and say how we're paid.

Prices are recomputed from the rate filings insurers submit to state insurance regulators. Where we have compared a price with a live insurer quote, it is marked verified; a price recomputed from the filing but not yet compared with a live quote is marked calculated and may differ from what the insurer quotes. The insurer's quote is final: it can differ because of underwriting, discounts, fees or a filing that changed after our last update. Coverage is subject to the policy's terms, conditions and the insurer's underwriting.

Verified means within $1 of a live insurer quote. Calculated means recomputed from the filed formula and checked against the filing's own worked examples, not yet compared with a live quote. Lists show only the filings we have recomputed; an insurer or plan not shown may still be sold in your state. Nothing here is advice or a recommendation.

Comparing prices on K.Actuary is free. We plan to offer data services to insurers and other businesses. If we receive compensation that could affect which products or prices you see, or how they are ordered, we will say so on this page and next to the affected results. Compensation will not change a filed price we show.

Insurer and product names are used only to identify whose filing a price comes from. All trademarks belong to their owners. No affiliation with, or endorsement by, any insurer is implied.

Public rate filings (most through SERFF, operated by the NAIC), state regulator publications and price surveys, and prices observed on public insurer and marketplace websites. Each price identifies its filing.

Last updated November 11, 2026.