how to quote online article in essay

Home ➔ Citation Questions ➔ How to Cite an Article in an Essay? (APA and MLA)

How to Cite an Article in an Essay? (APA and MLA)

Before we get to all the different cases that change the way to cite an article in your essay, we must clarify a couple of things first.

• There are more than two citation styles out there. But, we will cover only APA and MLA because these are the most common ones.
• This article covers in-text citations, so it won’t go over the references page and how you should organize your sources there.

Note: For references, you can try our free online tools that support many styles — Citation Generators.

Usually, your assignment sheet instructions say what style you must stick to. If it doesn’t, ask your tutor for help.

MLA In-Text Citations (Modern Language Association)

Indicating your citations in the essay’s body is meant to be as short and as readable as possible. It’s quite different from the references pages where you indicate tons of details about the source. Your in-text citation is a link to the works cited page at the end of your paper.

There are two ways of using a quote in an essay MLA. The in-text method requires only the page number of the source used in parentheses at the end of the quote. The parenthetical one requires you to include both the author’s last name and the page number.

Using a Direct Quote

The author’s words are left unchanged and enclosed within quotation marks. Examples:

Use the author’s last name before the quote.

Smith states, “Citing an article in your essay correctly is fundamental if you want to avoid plagiarism” (26).

Don’t use the author’s last name before the quote.

The report states, “There are two ways of in-text citation” (Smith 26).

Use a lengthy excerpt (block quote) without quotation marks but with left indentation (half an inch). Moreover, note that you will have to place a period before the parentheses. A quote is regarded as long if it takes four or more lines in your essay.

Smith elaborates further: All the citation rules might seem too complicated, especially if you haven’t dealt with them before. One of the reasons for that could be the fact that students neglect to buy a corresponding style manual or to consult with their tutor. (26)

Note: If you refer to a web source or an article with no pagination, don’t mention the page number at all.

Paraphrasing or summarizing

When paraphrasing the source , you don’t have to use quotation marks:

According to Smith, you must learn how to cite a source in your essay not to plagiarize (26).

Sometimes, you might choose to paraphrase individual quotes from multiple pages. In such a case, you can indicate the pages or a page range separated by a comma like this: (Smith 26, 28, 31-33).

My source has more than one author

Case 1: two authors.

Just use “and” to separate them. For instance:

Moisson and Zakher have found that “Having a 20-minute nap during the day improves information retention by 500%” (127).

“Napping three times a week lowers the risk of dying of heart disease by 37%” (Moisson and Zakher 127).

Case 2: More than two authors

Mention the last name of the first author followed by “et al.” (which means “and others”). For example:

“Daytime napping brings many advantages” (Moisson et al. 127).

The author is unknown

The author’s name might be unknown. If it’s the case, use the first several words from the article’s title but omit “A,” “An,” or “The” at the beginning. It can be written in quotes or italics, depending on how it’s written in your list of references. The number of words you pick to use depends on the title. You want as many as to make it clear for the reader what source the quote is from. For example:

( Astrophysics 221) or (“Global Warming” 310)

What if I have two authors with the same surname?

To avoid confusion, use the author’s initials or their full names (if the initials are also identical) like this:

Some researchers claim that North America’s global warming early signs were enough to start taking measures (H. Black 22), others refuse to even acknowledge global warming as a planet-scale issue (T. Black 35).

MLA citation examples with references

Take a look at some more examples of MLA in-text citations with their respective reference entries.

Newspaper article

On October 1, 2019, Hanoi (Vietnam) became the leader in the list of cities with the highest levels of air pollution. (Smith 3)

Works Cited page

3. Smith, Thomas. “Hanoi Wrapped in Clouds.”  The Morning Sun  [Houston, TX] 1 Oct. 2019, p. 7.

Scholarly article

Features of the child’s interaction with their relatives, the degree of relatives’ responsiveness to the signals received from the child, and the completeness of satisfying their needs in many aspects determine the nature of relations with people formed from the first years of life. (Spencer 5)

5. Spencer, Laura. “Aggressive behavior in adolescents and the identity of the parents.”  Psychological Science and Education , vol. 50, no. 5, 2018, p. 14.

Magazine article

To restore the movement of qi energy, the doctor acts on certain acupuncture points — areas where the meridians come closest to the surface of the body. (Turnbull 5)

5. Turnbull, Katarina. “The Best Procedures for Your Vitality.”  The Health,  19 May. 2018, p. 70.

Journal article

The construction of the Okayama castle complex was completed in 1615, and the castle served as a residence for local daimyo (feudal lords) throughout the entire Edo period (XVII-XIX century).  (Gilliam 2)

1. Gilliam, Szymon. “Cities with Historic Gardens.”  Big in Japan,  3 Apr. 2019, p. 24.

Research article

Research on social networks in higher education institutions usually focuses on one of the two main groups of participants — teachers or students. (Kent 8)

8. Kent, Oscar. ” Social Networks of Students: Factors of Formation and Influence On Education.”  Education Today, vol.11, no. 2, 2018, p.31 .

APA In-Text Citations (American Psychological Association)

This style is the most commonly adopted one in the fields of health and social sciences. Remember to include all the articles you used in the references at the end of your essay .

To cite in an essay, using APA style, you will need to include the author’s name, the date of publication, and the page number where you found the information.

If compared to MLA, APA style is a bit more complicated and requires the writer to specify more details. Apart from the author’s last name and the page number, you’d also need to include the year of publication.

Smith states (2005), “Citing an article in your essay properly is essential to avoid plagiarism” (p. 26).

The manual states, “There are two ways of in-text citation” (Smith, 2005, p. 26).

In APA, a quote is recognized as long if it’s over 40 words. You don’t need to use quotation marks, and the indentation here is five spaces from the left margin. Example:

Smith (2005) elaborates on this issue: All the citation rules might be very confusing, especially if you haven’t dealt with them before. One of the reasons for that could be the fact that students neglect to buy a corresponding style manual or to consult with their tutor. (p. 26)

There are two ways you can format paraphrasing:

According to Smith (2005), you must be aware of citation rules to avoid plagiarism in your essay.

You must learn how to cite properly in your paper to avoid plagiarism-related issues (Smith, 2005, p. 26).

Use “and” to separate them in text and use an ampersand (&) to separate them in parentheses. For instance:

The result of research by Crompton and Gibson (2009) suggests that… (Crompton & Gibson, 2009, p. 55).

Case 2: 3–5 authors

Mention all authors the first time you cite them. For all other instances, write only the last name of the first author and add “et al.”

(Foster, Peattie, Rajagopalan, Frankfeldt, 2001) (Foster et al., 2001)

Case 3: 6+ authors

Use the first author’s name with “et al.” after it.

Hanks et al. (2008) suggest that… (Hanks et al., 2008, p. 43)

If the author’s name is unknown, use the first word or words of the source’s title. Titles of reports and books must be written in italics or underlined, whereas article titles and chapters should be put inside quotation marks.

Similar results were received after all students learned more about citing sources in essays (“Citation Guide,” 2016).

APA citation examples with references

Check more examples of in-text citations in APA style with their corresponding references.

Earlier, journalists reported on the British Prime Minister’s plan to establish centers for customs clearance of goods across the border between Ireland and Northern Ireland, and to leave the duty-free regime for food and agricultural products. (Morton, 2019)

Morton, M. (2019, October 11). New Brexit Agreement Proposals. The Day.

This position is quite common in the context of human study; it constitutes the ideology of most modern psychological assistance services and underlies the technology and many methods of psychotherapeutic and psychocorrectional work. (Watt, 2019)

Watt, A. (2019). Three Paradigms in Psychology – Three Strategies for Psychological Impact. The Art of Psychology, 9 (7), 24.

16-year-old Greta insists that, according to the 2015 Paris Agreement, the governments of the 195 countries that have signed this document are obliged to reduce carbon dioxide emissions into the atmosphere immediately. (Iles, 2019)

Iles, V. (2019, September 30). Greta Tunberg’s Stolen Childhood. Generation Today, 127 (234), 17. https://doi.org/10.1416/generation.aay3410

The most accepted ways in which graduates respond to the conflicts are “Competition” (27%) and “Cooperation” (24%). (Reide, 2019)

Reide, B. (2019). Psychological Features of Communication and Response in Conflict Situations In The Professional Education System. Interscience, 12(5), 36.

It is surprising that 78% of respondents neglect sleep and stay up late on the Internet, forget about eating, personal hygiene, household duties, study, etc. (Benjamin, 2018)

Benjamin, P. (2018). Internet Addiction in Teenagers. Cyber Community, 7 (6), 41. https://doi.org/10.1037/ppm00002415

You will find a lot more rules related to the citation style you’re using because there are many types of sources and exceptions to those sources. So, by acquiring a fresh style manual, you’ll be on the safe side when it comes to citing and paraphrasing in your essay.

The list of references

• Research and Citation — The Purdue University Online Writing Lab
• Citation Guide (MLA and APA) — Lane Community College
• MLA Citation Guide (8th Edition): In-Text Citation — Columbia College

Was this article helpful?

Lynn University

• Paper Templates
• Academic Posters
• Citation Generators
• Multi-touch Books@Lynn
• Journal Articles
• Dictionaries & Encyclopedias
• News Sources
• Canvas Materials (PowerPoint Slides)
• Business Databases
• Reports & Case Studies
• Social Media
• Audio & Visual Works
• Interviews & Personal Communications
• Legal Documents
• Generative AI (Chat GPT)

Quick Guide to APA Citations

☑ include both parts of the apa citation:.

In-text citations (placed in your paper wherever you are quoting or paraphrasing a source) Reference list citations (placed at the end of your paper in an alphabetized reference list)  

☑ If you quote OR paraphrase a source, you must cite it.

"Paraphrasing" includes describing someone else's idea in your own words.   A quotation requires a "locator" which is the exact page number or paragraph number of the quote 

☑ Do not include sources in your reference list if you did not use them.

In APA, reference citations are not a list of sources you read! Only include a source in your reference list if you quoted or paraphrased that source with an in-text citation in your paper.

☑ Each in-text citation must match its reference list citation.

The author name and year in the reference list citation and in-text citation must be the same. If you make a correction to the author and/or date in one of your references, you must also edit all of the corresponding in-text citations.

In-Text Citations

Citing paraphrased information:

(Author, Year).

Citing a direct quote:

(Author, Year, p. 3). OR (Author, Year, para. 3).

In-text Citation Examples

Paraphrasing a source with TWO AUTHORS:

(Tindall & Curtis, 2019).

Paraphrasing a source with THREE OR MORE AUTHORS:

(Amida et al., 2021).

Paraphrasing a source authored by a GROUP/ORGANIZATION with NO DATE:

(U.S. Department of Homeland Security, n.d.).

• 2023 In-Text Citation Instructions Help! I need more examples! Check out this PDF for what to do when you have long paraphrases, long quotations, you want to cite a source you found in another source, you have sources with the same author and date, and more!

Reference List Citations

Author. (Date). Title. Source. URL

Reference List Citation Examples

Reference list citation for a journal article with THREE OR MORE AUTHORS:*

Amida, A., Appianing, J., & Marafa, Y. (2022). Testing the predictors of college students' attitudes toward plagiarism. Journal of Academic Ethics, 20 (1), p. 85-99.  https://doi.org/10.1007/s10805-021-09401-9

Reference list citation for an online article/webpage with ONE AUTHOR: 

Bailey, J. (2022, July 6). 5 things new students need to know about plagiarism. Plagiarism Today . https://www.plagiarismtoday.com/2022/07/06/5-things-new-students-need-to-know-about-plagiarism/

Reference list citation for a source with a GROUP AUTHOR and NO DATE:

U. S. Department of Homeland Security. (n.d.). What is plagiarism? https://studyinthestates.dhs.gov/2014/11/what-plagiarism

*Never use "et al." in a reference citation. Include every author's name, up to 20 authors. For guidance on citing works with more than 20 authors, see the 2023 Reference List Instructions PDF below.

• 2023 APA Reference list instructions Help! I need more examples! Check out this PDF for what to do if there is no author or when there are twenty-one or more authors, how to capitalize the title, when the title has a title in it, and more!
• << Previous: Academic Posters
• Next: Citation Generators >>
• Last Updated: Jun 17, 2024 3:13 PM
• URL: https://lynn-library.libguides.com/apa

A direct quotation reproduces words verbatim from another work or from your own previously published work. It is best to paraphrase sources rather than directly quoting them because paraphrasing allows you to fit material to the context of your paper and writing style.

Use direct quotations rather than paraphrasing:

• when reproducing an exact definition (see Section 6.22 of the Publication Manual ),
• when an author has said something memorably or succinctly, or
• when you want to respond to exact wording (e.g., something someone said).

Instructors, programs, editors, and publishers may establish limits on the use of direct quotations. Consult your instructor or editor if you are concerned that you may have too much quoted material in your paper.

This page addresses how to format short quotations and block quotations. Additional information is available about how to:

• include page numbers for quotations
• cite quotations from material without page numbers
• cite quotations that include errors
• indicate changes to quotations
• present quotations from research participants

Quotations are covered in the seventh edition APA Style manuals in the Publication Manual Sections 8.25 to 8.35 and the Concise Guide Sections 8.25 to 8.34

Related handout

• In-Text Citation Checklist (PDF, 227KB)

Short quotations (fewer than 40 words)

For quotations of fewer than 40 words, add quotation marks around the words and incorporate the quote into your own text—there is no additional formatting needed. Do not insert an ellipsis at the beginning and/or end of a quotation unless the original source includes an ellipsis.

Effective teams can be difficult to describe because “high performance along one domain does not translate to high performance along another” (Ervin et al., 2018, p. 470).

For a direct quotation, always include a full citation ( parenthetical or narrative ) in the same sentence as the quotation, including the page number (or other location information, e.g., paragraph number).

• Place a parenthetical citation either immediately after the quotation or at the end of the sentence.
• For a narrative citation, include the author and year in the sentence and then place the page number or other location information in parentheses after the quotation.
• If the quotation precedes the narrative citation, put the page number or location information after the year and a comma.
• If the citation appears at the end of a sentence, put the end punctuation after the closing parenthesis for the citation.
• If the quotation includes citations, see Section 8.32 of the Publication Manual .
• If the quotation includes material already in quotation marks, see Section 8.33 of the Publication Manual .
• Place periods and commas within closing single or double quotation marks. Place other punctuation marks inside quotation marks only when they are part of the quoted material.

Block quotations (40 words or more)

Format quotations of 40 words or more as block quotations:

• Do not use quotation marks to enclose a block quotation.
• Start a block quotation on a new line and indent the whole block 0.5 in. from the left margin.
• Double-space the entire block quotation.
• Do not add extra space before or after it.
• If there are additional paragraphs within the quotation, indent the first line of each subsequent paragraph an additional 0.5 in. See an example in Section 8.27 of the Publication Manual .
• Either (a) cite the source in parentheses after the quotation’s final punctuation or (b) cite the author and year in the narrative before the quotation and place only the page number in parentheses after the quotation’s final punctuation.
• Do not add a period after the closing parenthesis in either case.

Block quotation with parenthetical citation:

Researchers have studied how people talk to themselves:

Inner speech is a paradoxical phenomenon. It is an experience that is central to many people’s everyday lives, and yet it presents considerable challenges to any effort to study it scientifically. Nevertheless, a wide range of methodologies and approaches have combined to shed light on the subjective experience of inner speech and its cognitive and neural underpinnings. (Alderson-Day & Fernyhough, 2015, p. 957)

Block quotation with narrative citation:

Flores et al. (2018) described how they addressed potential researcher bias when working with an intersectional community of transgender people of color:

Everyone on the research team belonged to a stigmatized group but also held privileged identities. Throughout the research process, we attended to the ways in which our privileged and oppressed identities may have influenced the research process, findings, and presentation of results. (p. 311)

Have a thesis expert improve your writing

Check your thesis for plagiarism in 10 minutes, generate your apa citations for free.

• Knowledge Base
• Working with sources
• How to Quote | Citing Quotes in Harvard & APA

How to Quote | Citing Quotes in Harvard & APA

Published on 15 April 2022 by Shona McCombes and Jack Caulfield. Revised on 3 September 2022.

Quoting means copying a passage of someone else’s words and crediting the source. To quote a source, you must ensure:

• The quoted text is enclosed in quotation marks (usually single quotation marks in UK English, though double is acceptable as long as you’re consistent) or formatted as a block quote
• The original author is correctly cited
• The text is identical to the original

The exact format of a quote depends on its length and on which citation style you are using. Quoting and citing correctly is essential to avoid plagiarism , which is easy to detect with a good plagiarism checker .

Instantly correct all language mistakes in your text

Be assured that you'll submit flawless writing. Upload your document to correct all your mistakes.

Table of contents

How to cite a quote in harvard and apa style, introducing quotes, quotes within quotes, shortening or altering a quote, block quotes, when should i use quotes, frequently asked questions about quoting sources.

Every time you quote, you must cite the source correctly . This looks slightly different depending on the citation style you’re using.

Citing a quote in Harvard style

When you include a quote in Harvard style, you must add a Harvard in-text citation giving the author’s last name, the year of publication, and a page number if available. Any full stop or comma appears after the citation, not within the quotation marks.

Citations can be parenthetical or narrative. In a parenthetical citation , you place all the information in brackets after the quote. In a narrative citation , you name the author in your sentence (followed by the year), and place the page number after the quote.

• Evolution is a gradual process that ‘can act only by very short and slow steps’ (Darwin, 1859, p. 510) . Darwin (1859) explains that evolution ‘can act only by very short and slow steps’ (p. 510) .

Complete guide to Harvard style

Citing a quote in APA Style

To cite a direct quote in APA , you must include the author’s last name, the year, and a page number, all separated by commas. If the quote appears on a single page, use ‘p.’; if it spans a page range, use ‘pp.’

An APA in-text citation can be parenthetical or narrative. In a parenthetical citation , you place all the information in parentheses after the quote. In a narrative citation , you name the author in your sentence (followed by the year), and place the page number after the quote.

Punctuation marks such as full stops and commas are placed after the citation, not within the quotation marks.

• Evolution is a gradual process that ‘can act only by very short and slow steps’ (Darwin, 1859, p. 510) .
• Darwin (1859) explains that evolution ‘can act only by very short and slow steps’ (p. 510) .

Complete guide to APA

The only proofreading tool specialized in correcting academic writing.

The academic proofreading tool has been trained on 1000s of academic texts and by native English editors. Making it the most accurate and reliable proofreading tool for students.

Correct my document today

Make sure you integrate quotes properly into your text by introducing them in your own words, showing the reader why you’re including the quote and providing any context necessary to understand it.  Don’t  present quotations as stand-alone sentences.

There are three main strategies you can use to introduce quotes in a grammatically correct way:

• Add an introductory sentence
• Use an introductory signal phrase
• Integrate the quote into your own sentence

The following examples use APA Style citations, but these strategies can be used in all styles.

Introductory sentence

Introduce the quote with a full sentence ending in a colon . Don’t use a colon if the text before the quote isn’t a full sentence.

If you name the author in your sentence, you may use present-tense verbs, such as “states’, ‘argues’, ‘explains’, ‘writes’, or ‘reports’, to describe the content of the quote.

• In Denmark, a recent poll shows that: ‘A membership referendum held today would be backed by 55 percent of Danish voters’ (Levring, 2018, p. 3).
• In Denmark, a recent poll shows that support for the EU has grown since the Brexit vote: ‘A membership referendum held today would be backed by 55 percent of Danish voters’ (Levring, 2018, p. 3).
• Levring (2018) reports that support for the EU has grown since the Brexit vote: ‘A membership referendum held today would be backed by 55 percent of Danish voters’ (p. 3).

Introductory signal phrase

You can also use a signal phrase that mentions the author or source but doesn’t form a full sentence. In this case, you follow the phrase with a comma instead of a colon.

• According to a recent poll, ‘A membership referendum held today would be backed by 55 percent of Danish voters’ (Levring, 2018, p. 3).
• As Levring (2018) explains, ‘A membership referendum held today would be backed by 55 percent of Danish voters’ (p. 3).

Integrated into your own sentence

To quote a phrase that doesn’t form a full sentence, you can also integrate it as part of your sentence, without any extra punctuation.

• A recent poll suggests that EU membership ‘would be backed by 55 percent of Danish voters’ in a referendum (Levring, 2018, p. 3).
• Levring (2018) reports that EU membership ‘would be backed by 55 percent of Danish voters’ in a referendum (p. 3).

When you quote text that itself contains another quote, this is called a nested quotation or a quote within a quote. It may occur, for example, when quoting dialogue from a novel.

To distinguish this quote from the surrounding quote, you enclose it in double (instead of single) quotation marks (even if this involves changing the punctuation from the original text). Make sure to close both sets of quotation marks at the appropriate moments.

Note that if you only quote the nested quotation itself, and not the surrounding text, you can just use single quotation marks.

• Carraway introduces his narrative by quoting his father: ‘ ‘ Whenever you feel like criticizing anyone, ‘ he told me, ‘ just remember that all the people in this world haven’t had the advantages that you’ve had ‘ ‘ (Fitzgerald 1).
• Carraway introduces his narrative by quoting his father: ‘”Whenever you feel like criticizing anyone,” he told me, “just remember that all the people in this world haven’t had the advantages that you’ve had “  (Fitzgerald 1).
• Carraway introduces his narrative by quoting his father: ‘“Whenever you feel like criticizing anyone,” he told me, “just remember that all the people in this world haven’t had the advantages that you’ve had”’ (Fitzgerald 1).
• Carraway begins by quoting his father’s invocation to ‘remember that all the people in this world haven’t had the advantages that you’ve had’ (Fitzgerald 1).

Note:  When the quoted text in the source comes from another source, it’s best to just find that original source in order to quote it directly. If you can’t find the original source, you can instead cite it indirectly .

Often, incorporating a quote smoothly into your text requires you to make some changes to the original text. It’s fine to do this, as long as you clearly mark the changes you’ve made to the quote.

Shortening a quote

If some parts of a passage are redundant or irrelevant, you can shorten the quote by removing words, phrases, or sentences and replacing them with an ellipsis (…). Put a space before and after the ellipsis.

Be careful that removing the words doesn’t change the meaning. The ellipsis indicates that some text has been removed, but the shortened quote should still accurately represent the author’s point.

Altering a quote

You can add or replace words in a quote when necessary. This might be because the original text doesn’t fit grammatically with your sentence (e.g., it’s in a different tense), or because extra information is needed to clarify the quote’s meaning.

Use brackets to distinguish words that you have added from words that were present in the original text.

The Latin term ‘ sic ‘ is used to indicate a (factual or grammatical) mistake in a quotation. It shows the reader that the mistake is from the quoted material, not a typo of your own.

In some cases, it can be useful to italicise part of a quotation to add emphasis, showing the reader that this is the key part to pay attention to. Use the phrase ’emphasis added’ to show that the italics were not part of the original text.

You usually don’t need to use brackets to indicate minor changes to punctuation or capitalisation made to ensure the quote fits the style of your text.

If you quote more than a few lines from a source, you must format it as a block quote . Instead of using quotation marks, you set the quote on a new line and indent it so that it forms a separate block of text.

Block quotes are cited just like regular quotes, except that if the quote ends with a full stop, the citation appears after the full stop.

To the end of his days Bilbo could never remember how he found himself outside, without a hat, a walking-stick or any money, or anything that he usually took when he went out; leaving his second breakfast half-finished and quite unwashed-up, pushing his keys into Gandalf’s hands, and running as fast as his furry feet could carry him down the lane, past the great Mill, across The Water, and then on for a mile or more. (16)

Avoid relying too heavily on quotes in academic writing . To integrate a source , it’s often best to paraphrase , which means putting the passage into your own words. This helps you integrate information smoothly and keeps your own voice dominant.

However, there are some situations in which quotes are more appropriate.

When focusing on language

If you want to comment on how the author uses language (for example, in literary analysis ), it’s necessary to quote so that the reader can see the exact passage you are referring to.

When giving evidence

To convince the reader of your argument, interpretation or position on a topic, it’s often helpful to include quotes that support your point. Quotes from primary sources (for example, interview transcripts or historical documents) are especially credible as evidence.

When presenting an author’s position or definition

When you’re referring to secondary sources such as scholarly books and journal articles, try to put others’ ideas in your own words when possible.

But if a passage does a great job at expressing, explaining, or defining something, and it would be very difficult to paraphrase without changing the meaning or losing the weakening the idea’s impact, it’s worth quoting directly.

A quote is an exact copy of someone else’s words, usually enclosed in quotation marks and credited to the original author or speaker.

To present information from other sources in academic writing , it’s best to paraphrase in most cases. This shows that you’ve understood the ideas you’re discussing and incorporates them into your text smoothly.

It’s appropriate to quote when:

• Changing the phrasing would distort the meaning of the original text
• You want to discuss the author’s language choices (e.g., in literary analysis )
• You’re presenting a precise definition
• You’re looking in depth at a specific claim

Every time you quote a source , you must include a correctly formatted in-text citation . This looks slightly different depending on the citation style .

For example, a direct quote in APA is cited like this: ‘This is a quote’ (Streefkerk, 2020, p. 5).

Every in-text citation should also correspond to a full reference at the end of your paper.

In scientific subjects, the information itself is more important than how it was expressed, so quoting should generally be kept to a minimum. In the arts and humanities, however, well-chosen quotes are often essential to a good paper.

In social sciences, it varies. If your research is mainly quantitative , you won’t include many quotes, but if it’s more qualitative , you may need to quote from the data you collected .

As a general guideline, quotes should take up no more than 5–10% of your paper. If in doubt, check with your instructor or supervisor how much quoting is appropriate in your field.

If you’re quoting from a text that paraphrases or summarises other sources and cites them in parentheses , APA  recommends retaining the citations as part of the quote:

• Smith states that ‘the literature on this topic (Jones, 2015; Sill, 2019; Paulson, 2020) shows no clear consensus’ (Smith, 2019, p. 4).

Footnote or endnote numbers that appear within quoted text should be omitted.

If you want to cite an indirect source (one you’ve only seen quoted in another source), either locate the original source or use the phrase ‘as cited in’ in your citation.

A block quote is a long quote formatted as a separate ‘block’ of text. Instead of using quotation marks , you place the quote on a new line, and indent the entire quote to mark it apart from your own words.

APA uses block quotes for quotes that are 40 words or longer.

Cite this Scribbr article

If you want to cite this source, you can copy and paste the citation or click the ‘Cite this Scribbr article’ button to automatically add the citation to our free Reference Generator.

McCombes, S. & Caulfield, J. (2022, September 03). How to Quote | Citing Quotes in Harvard & APA. Scribbr. Retrieved 18 June 2024, from https://www.scribbr.co.uk/working-sources/quoting/

Is this article helpful?

Shona McCombes

Other students also liked, how to paraphrase | step-by-step guide & examples, how to avoid plagiarism | tips on citing sources, the 5 types of plagiarism | explanations & examples.

Citations - APA: In-Text Citations - Quoting & Paraphrasing

• Advertisements
• Artificial Intelligence: AI
• Audio Materials
• Books, eBooks & Pamphlets
• Class Notes, Class Lectures and Presentations
• Encyclopedias & Dictionaries (Reference Works)
• Government Documents
• Images, Charts, Graphs, Maps & Tables
• Magazine Articles
• Newspaper Articles
• Pesonal Communication (Interviews, Emails, & Telephone)
• Social Media
• Videos & DVDs
• When Creating Digital Assignments
• When Information Is Missing
• Works in a Foreign Language
• Works Quoted in Another Source (Secondary Source)
• In-Text Citations - Quoting & Paraphrasing
• Formatting - Essay, Reference List, Appendix, & Sample Paper
• Annotated Bibliography

On This Page:

• About IN-Text Citations

Long Quotations

Paraphrasing.

No Page Numbers

No Author and/or No Date

In-text citation for two or more authors/editors, citing a source that you found in another source (secondary source), about in-text citations.

In APA, in-text citations are inserted in the body of your research paper to briefly document the source of your information. Brief in-text citations point the reader to the full citation on the References list at the end of the paper.

Create in-text citations for the following:

• Direct quotes

When you quote from online sources that do not provide page numbers (like Webpages), you can cite:

• A paragraph number (if this is not provided, you can count the paragraph number from the start of your source). Bowlby described "three phases of the separation response: protest, despair, and detachment" (Garelli, 2001, para. 3).
• A heading and paragraph number. Example: Bowlby described "three phases of the separation response: protest, despair, and detachment" (Garelli, 2001, Bowlby's Initial Stance section, para. 3).

No Known Author:

Where you'd normally put the author's last name, instead use the first one, two, or three words from the title. Don't count initial articles like "A", "An" or "The". You should provide enough words to make it clear which work you're referring to from your References List.

If the title in the References list is in italics, italicize the words from the title in the in-text citation.

If you are citing an article, a chapter of a book or a page from a website, put the words in double quotation marks.

( Cell Biology , 2012)

("Nursing," 2011)

No Known Date of Publication :

Where you'd normally put the year of publication, instead use the letters "n.d.".

(Smith, n.d.)

When quoting directly from a source, enclose the words in quotation marks then add the necessary information in parenthesis. There are two basic formats which can be used .

Option 1 - APA standard

The homeless were typically neglected growing up since they "commonly come from families who are riddled with problems and marital disharmony" (Rokach, 2005, p. 477).

Option 2 - used when the author's name for the work being cited  is written in the lead in sentence before the quote.

As Rokach (2005) notes, the homeless "often have no one to care for them and no one knows them intimately" (p. 477).

What Is a Long Quotation?

If your quotation extends to more than forty words as you're typing your essay, it is a long quotation. This can also be referred to as a block quotation.

Rules for Long Quotations

There are 4 rules that apply to long quotations that are different from regular quotations:

• The line before your long quotation, when you're introducing the quote, usually ends with a colon.
• The long quotation is indented half an inch from the rest of the text, so it looks like a block of text.
• There are no quotation marks around the quotation.
• The period at the end of the quotation comes  before  your in-text citation as opposed to  after , as it does with regular quotations.

Example of a Long Quotation

At the end of Lord of the Flies the boys are struck with the realization of their behaviour:

The tears began to flow and sobs shook him. He gave himself up to them now for the first time on the island; great, shuddering spasms of grief that seemed to wrench his whole body. His voice rose under the black smoke before the burning wreckage of the island; and infected by that emotion, the other little boys began to shake and sob too. (Golding, 1960, p.186)

When you write information from a source in your own words then cite the source by adding an in-text citation at the end of the paraphrased portion as follows:

Mother-infant attachment became a leading topic of developmental research following the publication of John Bowlby's studies (Hunt, 1993).  

If you refer to the author's name in a sentence you do not have to include the name again as part of your in-text citation, instead include the year of publication following his/her name:

Hunt (1993) noted that mother-infant attachment became a leading topic of developmental research after the publication of John Bowlby's studies.

Original Source

Homeless individuals commonly come from families who are riddled with problems and marital disharmony, and are alienated from their parents. They have often been physically and even sexually abused, have relocated frequently, and many of them may be asked to leave home or are actually thrown out, or alternatively are placed in group homes or in foster care. They often have no one to care for them and no one knows them intimately.

Example:  Incorrect  Paraphrasing

The homeless come from families with problems. Frequently, they have been physically or sexually abused, or have lived in group homes. Usually no one cares for them or knows them intimately (Rokach, 2005). 

Note : In this incorrect example the writing is too similar to the original source. The student only changed or removed a few words and has not phrased the ideas in a new way. 

Example:  Correct  Paraphrasing

Many homeless experience isolation in part due to suffering from abuse or neglect during their childhood (Rokach, 2005).

Note : The example keeps the idea of the original writing but phrases it in a new way.

Full Citation:

Rokach, A. (2005). The causes of loneliness in homeless youth.  The Journal of Psychology , 139, 469-480. 10.3200/JRLP.139.5.469-480

In scholarly work, a primary source reports original content; a secondary source refers to content first reported in another source.

• Cite secondary sources sparingly—for instance, when the original work is out of print, unavailable, or available only in a language that you do not understand.
• If possible, as a matter of good scholarly practice, find the primary source, read it, and cite it directly rather than citing a secondary source. For example, rather than citing an instructor’s lecture or a textbook or encyclopedia that in turn cites original research, find, read, and cite the original research directly (unless an instructor has directed you to do otherwise).

Follow these directions when citing a secondary source:

• In the reference list, provide an entry for the secondary source that you used.
• In the in-text, identify the primary source and write “as cited in” the secondary source that you used.

If the year of publication of the primary source is known, also include it in the text citation.

For example, if you read a work by Lyon et al. (2014) in which Rabbitt (1982) was cited, and you were unable to read Rabbitt’s work yourself, cite Rabbitt’s work as the original source, followed by Lyon et al.’s work as the secondary source. Only Lyon et al.’s work appears in the reference list.

(Rabbitt, 1982, as cited in Lyon et al., 2014)

If the year of the primary source is unknown, omit it from the in-text citation.

Allport’s diary (as cited in Nicholson, 2003)

https://apastyle.apa.org/style-grammar-guidelines/citations/secondary-sources

• << Previous: Works Quoted in Another Source (Secondary Source)
• Next: Formatting - Essay, Reference List, Appendix, & Sample Paper >>
• Last Updated: May 31, 2024 10:28 AM
• URL: https://libguides.lahc.edu/apa

Table of Contents

Collaboration, information literacy, writing process, quotation – when & how to use quotes in your writing.

• © 2023 by Joseph M. Moxley - University of South Florida

What is a Quotation?

A quotation refers to the precise replication of words or phrases from another source, embedded within one’s own writing or speech. To distinguish these directly borrowed elements from original content, writers use quotation marks. Additionally, they provide citations or footnotes to trace back to the original source, maintaining the integrity of the content.

Related Concepts: Copyright ; Information Has Value ; Inserting or Altering Words in a Direct Quotation ; Intellectual Property ; Omitting Words from a Direct Quotation ; Plagiarism ; Scholarship as a Conversation

Why Does Quotation Matter?

When writers incorporate quotations, they aren’t merely borrowing words. They’re strategically weaving the collective wisdom of past thinkers into their narrative, bolstering their arguments, and enhancing their credibility .

• Recognition of Scholarly Foundations: Quotations enable writers to highlight and pay respect to the foundational works, insights, and contributions of past scholars, researchers, and theorists. By doing so, they acknowledge the deep roots of knowledge and ideas that have paved the way for present-day discussions and discoveries.
• Authentic Representation in Discourse: Quotations preserve the precise wording of an author, grounding the reader directly in the original discourse. Unlike paraphrases or summaries , which reinterpret or condense an author’s message, quotations maintain the unaltered essence, subtleties, and nuances of the original statement.
• Validation: Quotations may function as compelling evidence , fortifying the claims a writer has made in their argument
• Building upon Established Knowledge: Quotations illuminate existing ideas, paving the way for writers to elaborate on, challenge, or pivot them toward new directions.
• Preservation of Nuance: Quotations capture the intricate subtleties of unique expressions and poetic language, ensuring that their inherent meaning remains unaltered.
• Positioning within a Discourse: Through quotations, writers can align or differentiate themselves within specific intellectual landscapes, debates, or traditions.
• Credibility: Meticulous citation and thoughtful quotation are hallmarks of a diligent writer, revealing their commitment to professional and ethical codes of conduct.

What Do Writers Quote in Academic and Professional Writing

In both academic and professional writing , quotation serves multiple functions:

• Authenticity and Credibility : Quoting directly from a source provides evidence that the information is based on established research or authoritative accounts . It adds weight to arguments, showcasing that they aren’t merely opinions but are backed by recognized studies or experts in the field.
• Respect for Copyright & Intellectual Property : Academic and workplace writers, trained in critical literacy skills , follow citation conventions meticulously. This diligence stems from their respect for copyright laws and the broader principles of intellectual property . Properly citing and quoting indicates an acknowledgment of the original creator’s contribution and ensures that their work is not appropriated without due credit.
• Preserving Original Meaning: Paraphrasing or summarizing can sometimes inadvertently alter the original meaning or nuance of a text. Quoting ensures that the exact words and context provided by the original author are retained.
• Engaging the Reader: Quotations can be used strategically to capture the reader’s attention. A well-chosen quote can make an article or essay more engaging, invoking curiosity or emphasizing a point.
• Paying Homage: Quoting acknowledges the original creators of content. It’s a form of respect, indicating that their words have made an impact and are deemed worthy of repetition and recognition.
• Avoiding Plagiarism : In academic and professional contexts, using someone else’s words or ideas without proper citation is considered unethical and can have serious repercussions. Quoting, accompanied by appropriate citation, ensures that credit is given where it’s due.
• Enriching Content: Quotations can introduce diverse voices and perspectives into a piece of writing. They can be used to support or counter arguments, provide alternative viewpoints, or illustrate a point more vividly.
• Encouraging Deeper Engagement: When readers encounter a quotation, especially one from a recognized authority or a profound piece of literature, it prompts them to reflect on its meaning, perhaps encouraging them to seek out the original source and engage more deeply with the topic .
• Clarifying Complex Ideas: At times, original texts may communicate complex ideas in a way that’s particularly clear or compelling. Quoting such passages can assist the writer in conveying these complexities without the risk of oversimplification.

When Should You Use Quotations in Your Writing?

There are five major reasons for using quotations:

• Evidential Support: To back up claims or arguments with concrete evidence .
• Illustrative Purposes: To give specific examples or to illuminate a point .
• Eloquence and Impact: Sometimes, the original phrasing is so poignant or well-expressed that paraphrasing might dilute its power or clarity.
• Appeal to Authority: Quoting renowned figures or experts can bolster the credibility of an argument .
• Attribution : To give credit to the original source or author and avoid plagiarism .

When Should I Quote as Opposed to Paraphrasing or Summarizing?

Quoting, paraphrasing , and summarizing are all essential techniques in writing , allowing writers to incorporate the ideas of others into their work.

In general, however, because readers do not want to read miscellaneous quotations that are thrown together one after another, you are generally better off paraphrasing and summarizing material and using direct quotations sparingly. Students—from middle school, college, through graduate school—sometimes believe loads of quotations bring a great deal of credibility , ethos , to the text . Yet, if too many quotes are provided, the text loses clarity .

Like everything else in life, balance is the key. The problem with texts that use extensive direct quotations is that they tend to take attention away from the writer’s voice , purpose , thesis . If you offer quotations every few lines, your ideas become subordinate to other people’s ideas and voices, which often contradicts your instructor’s reasons for assigning research papers—that is, to learn what you think about a subject.

Below are some general strategies you might consider when determine it’s best to quote, paraphrase, or summarize:

• Heart of the Argument: When a passage directly encapsulates the essence of the discussion, quoting ensures the original message isn’t diluted.
• Eloquence & Precision: Some texts are so beautifully articulated or precisely worded that rephrasing would diminish their impact or clarity .
• Eyewitness Accounts: Dramatic firsthand accounts of events can lose their emotional potency if not presented verbatim.
• Influential Authorities: Quoting recognized experts or influential figures can lend credibility to an argument .
• Pertinent Data: Specific statistics or data points, when exactness is crucial, should be quoted directly.
• Challenging to Rephrase: Some complex ideas or specialized terminologies can be hard to rephrase without altering the original meaning.

Paraphrasing

• Clarification: When the original text is dense or hard to understand, a paraphrase can clarify the message for the reader.
• Integration: To weave source material more seamlessly into one’s writing, a paraphrase can be more fluid than a direct quote.
• Modification: If a writer wishes to emphasize a particular aspect of the source material or adapt it for a different audience , paraphrasing allows for this flexibility.

Summarizing

• Overview: Summaries are excellent for providing readers with a snapshot of a larger work or body of research.
• Brevity: When the main gist of a longer text is relevant, but details aren’t necessary, summarizing captures the essence in fewer words.

In all cases, whether quoting, paraphrasing, or summarizing, proper attribution is vital to respect the original author’s intellectual property and to provide readers with a clear path to the primary source.

Is It Okay to Edit Quotations for Brevity and Clarity ?

Yes, editing quotations for clarity and brevity is often necessary, especially when you want to emphasize your own voice and perspective in your writing . Utilizing direct quotations from reliable sources enhances your credibility , but extensive quotations can overshadow your voice and detract from your main argument . Responsible writers prioritize both the quality and the quantity of their quotations, selecting only the most pertinent words or phrases to articulate their points effectively.

How Can I Effectively Shorten a Quote?

• Opt for integrating the part of a quotation that is most impactful, concise, and uniquely expressive.
• Extract only the key segments of the quote that align with your argument , employing ellipses where you omit sections.
• Aim for quotations that span no more than two lines.
• Adhere to the 10% rule: quotations shouldn’t exceed 10% of your paper’s total word count.
• Always respect guidelines given by instructors or publishers regarding quotation length.

Example: Trimming a Quote for Brevity

Original quote:.

“Hand-washing is especially important for children in child care settings. Young children cared for in groups outside the home are at greater risk of respiratory and gastrointestinal diseases, which can easily spread to family members and other contacts. Be sure your child care provider promotes frequent hand-washing or use of alcohol-based hand sanitizers. Ask whether the children are required to wash their hands several times a day — not just before meals.” (“Hand-washing: Do’s and Don’ts” 2)

Revised Quote with Context :

Parents should be concerned about their child’s hand-washing habits—not only under supervision at home, but when the child is being cared for by others. Experts from the Mayo Clinic staff advise that “[h]and-washing is especially important for children in child care settings. . . . Be sure your child care provider promotes frequent hand-washing” (“Hand-washing: Do’s and Don’ts” 2).

What is the Purpose of Ellipses in Quotations?

Ellipses, represented by three dots ( . . . ), indicate that a portion of the original text has been removed for brevity , relevance, or clarity.

How Should Ellipses Be Formatted Within a Quotation?

• Spacing : There should be a space before, between, and after each of the dots. Example :“Original thought . . . remains crucial.”

When Is It Appropriate to Use Ellipses in a Quotation?

• To remove non-essential information that doesn’t alter the quote’s original meaning.
• To make the quotation fit seamlessly into the writer’s sentence or argument.

Are There Any Cautions to Consider When Using Ellipses?

• Avoid altering the original intent or meaning of the quotation.
• Refrain from overusing ellipses; excessive omissions can make the quote unclear or misleading.
• Do not start or end a quotation with ellipses, unless it’s essential to convey that the quote is part of a larger context.

How Do I Use Ellipses After a Complete Sentence?

If you’re omitting content following a complete sentence, the ellipsis points should come after the sentence’s ending punctuation.

Correct : “He enjoyed the evening. . . . They discussed various topics.”

Incorrect : “He enjoyed the evening. . . They discussed various topics.”

Remember, while ellipses help in streamlining quotations, they should be used judiciously to ensure the integrity of the original text remains intact.

Can I Make Changes to Quotations? If So, How to Do I Alert My Readers to Those Changes?

• Purpose of Brackets in Quotations : Brackets [ ] are used to insert or alter words in a direct quotation for clarity, explanation, or integration.
• Example: “It [driving] imposes a heavy procedural workload on cognition…”
• Reminder: The word ‘driving’ clarifies the pronoun ‘it’.
• Example: “[D]riving imposes a heavy procedural workload [visual and motor demands] on cognition…”
• Point: Brackets offer deeper insights on the “procedural workload”.
• Example: Salvucci and Taatgen propose that “[t]he heavy cognitive workload of driving suggests…”
• Note: The change from uppercase ‘T’ to lowercase ‘t’ is indicated with brackets.
• Example: “Drivers [are] increasingly engaging in secondary tasks while driving.”
• Note: The verb changes from past to present tense, and this change is enclosed in brackets.
• Incorrect: “It (driving) imposes a heavy procedural workload…”
• Correct: “It [driving] imposes a heavy procedural workload…”
• A Key Caution : Don’t misuse brackets to alter the original text’s intent or meaning. Always represent the author’s intent accurately.
• Do use brackets to enclose inserted words for clarity or brief explanation.
• Do use brackets to indicate changes in letter case or verb tense.
• Don’t use parentheses in these scenarios.
• Never use bracketed material to twist the author’s original meaning.

Remember, the aim is to ensure clarity and respect the original author’s intent while making the quotation fit seamlessly into your writing.

For More Information on Shortening Quotations, See Also:

• Inserting or Altering Words in a Direct Quotation
• Omitting Words from a Direct Quotation (MLA)
• Omitting Words from a Direct Quotation (APA)

Mayo Clinic Staff. (2021, December 10). Hand-washing: Do’s and don’ts. Mayo Clinic .

Related Articles:

Block quotations, recommended.

Academic Writing – How to Write for the Academic Community

Structured Revision – How to Revise Your Work

Professional Writing – How to Write for the Professional World

Credibility & Authority – How to Be Credible & Authoritative in Speech & Writing

Citation Guide – Learn How to Cite Sources in Academic and Professional Writing

Page Design – How to Design Messages for Maximum Impact

Suggested edits.

• Please select the purpose of your message. * - Corrections, Typos, or Edits Technical Support/Problems using the site Advertising with Writing Commons Copyright Issues I am contacting you about something else
• Your full name
• Your email address *
• Page URL needing edits *
• Name This field is for validation purposes and should be left unchanged.
• Jennifer Janechek

Featured Articles

Essay Writing: In-Text Citations

• Essay Writing Basics
• Purdue OWL Page on Writing Your Thesis This link opens in a new window
• Paragraphs and Transitions
• How to Tell if a Website is Legitimate This link opens in a new window
• Formatting Your References Page
• Cite a Website
• Common Grammatical and Mechanical Errors
• Additional Resources
• Proofread Before You Submit Your Paper
• Structuring the 5-Paragraph Essay

In-text Citations

What are In-Text Citations?

You must cite (give credit) all information sources used in your essay or research paper whenever and wherever you use them.

When citing sources in the text of your paper, you must list:

● The author’s last name

● The year  the information was published.

Types of In-Text Citations: Narrative vs Parenthetical

A  narrative citation gives the author's name as part of the sentence .

• Example of a Narrative Citation: According to Edwards (2017) , a lthough Smith and Carlos's protest at the 1968 Olympics initially drew widespread criticism, it also led to fundamental reforms in the organizational structure of American amateur athletics.

A  parenthetical citation puts the source information in parentheses—first or last—but does not include it in  the narrative  flow.

• Example of a Parenthetical Citation:  Although Tommie Smith and John Carlos paid a heavy price in the immediate aftermath of the protests, they were later vindicated by society at large (Edwards, 2017) .

Full citation for this source (this belongs on the Reference Page of your research paper or essay):

Edwards, H. (2017).  The Revolt of the Black Athlete: 50th Anniversary Edition.  University of Illinois Press.

Sample In-text Citations

Note: This example is a  direct quote. It is an exact quotation directly from the text of the article. All direct quotes should appear in quotation marks: "...."

Try keeping direct quotes to a minimum in your writing. You need to show your understanding of the source material by being able to paraphrase or summarize it. 

List the author’s last name only (no initials) and the year the information was published, like this:

(Dodge, 2008 ). ( Author , Date).

IF you use a direct quote, add the page number to your citation, like this: 

( Dodge , 2008 , p. 125 ).

( Author , Date , page number )

What information should I cite in my paper/essay?

Credit these sources when you mention their information in any way: direct quotation, paraphrase, or summarize.

What should you credit?

Any information that you learned from another source, including:

● statistics

EXCEPTION: Information that is common knowledge: e.g., The Bronx is a borough of New York City.

Quick Sheet: APA 7 Citations

Quick help with apa 7 citations.

• Quick Sheet - Citing Journal Articles, Websites & Videos, and Creating In-Text Citations A quick guide to the most frequently-used types of APA 7 citations.

In-text Citation Tutorial

• Formatting In-text Citations, Full Citations, and Block Quotes In APA 7 Style This presentation will help you understand when, why, and how to use in-text citations in your APA style paper.

Download the In-text Citations presentation  (above)  for an in-depth look at how to correctly cite your sources in the text of your paper.

SIgnal Phrase Activity

Paraphrasing activity from the excelsior owl, in-text citation quiz.

• << Previous: Formatting Your References Page
• Next: Cite a Website >>
• Last Updated: May 23, 2024 11:09 AM
• URL: https://monroecollege.libguides.com/essaywriting
• Research Guides |
• Databases |

The Motivated Ignorance of Trump Supporters

They can’t claim they didn’t know.

Listen to this article

Produced by ElevenLabs and News Over Audio (NOA) using AI narration.

O n the morning of August 8, 2022 , 30 FBI agents and two federal prosecutors conducted a court-authorized search of Mar-a-Lago, Donald Trump’s Palm Beach, Florida, estate. The reason for the search, according to a 38-count indictment , was that after leaving office Trump mishandled classified documents, including some involving sensitive nuclear programs, and then obstructed the government’s efforts to reclaim them.

On the day before the FBI obtained the search warrant, one of the agents on the case sent an email to his bosses, according to The New York Times . “The F.B.I. intends for the execution of the warrant to be handled in a professional, low key manner,” he wrote, “and to be mindful of the optics of the search.” It was, and they were.

Over the course of 10 hours, the Times reported, “there was little drama as [agents] hauled away a trove of boxes containing highly sensitive state secrets in three vans and a rented Ryder box truck.”

On the day of the search, Trump was out of the state. The club at Mar-a-Lago was closed. Agents alerted one of Trump’s lawyers in advance of the search. And before the search, the FBI communicated with the Secret Service “to make sure we could get into Mar-a-Lago with no issues,” according to the testimony of former Assistant FBI Director Steven D’Antuono. It wasn’t a “show of force,” he said. “I was adamant about that, and that was something we all agreed on.”

The search warrant itself included a standard statement from the Department of Justice’s policy on the use of deadly force. There was nothing exceptional about it. But that didn’t prevent Trump or his supporters from claiming that President Joe Biden and federal law-enforcement agents had been involved in a plot to assassinate the former president.

In a fundraising appeal, Trump wrote,

BIDEN’S DOJ WAS AUTHORIZED TO SHOOT ME! It’s just been revealed that Biden’s DOJ was authorized to use DEADLY FORCE for their DESPICABLE raid in Mar-a-Lago. You know they’re just itching to do the unthinkable … Joe Biden was locked & loaded ready to take me out & put my family in danger.

On May 23, Trump publicly claimed that the Department of Justice “authorized the use of ‘deadly force’ in their Illegal, UnConstitutional, and Un-American RAID of Mar-a-Lago, and that would include against our Great Secret Service, who they thought might be ‘in the line of fire.’”

Read: The two-time Trump voters who have had enough

Trump supporters echoed those claims, as he knew they would. Steve Bannon, one of the architects of the MAGA movement, said , “This was an attempted assassination attempt on Donald John Trump or people associated with him. They wanted a gunfight.” Right-wing radio hosts stoked one another’s fury, claiming that there’s nothing Trump critics won’t do to stop him, up to and including attempting to assassinate him and putting the lives of his Secret Service detail in danger.

The statement by Trump went beyond inflaming his supporters; it created a mindset that moved them closer to violence, the very same mindset that led thousands of them to attack the Capitol on January 6 and threaten to hang Vice President Mike Pence. Which is why Special Counsel Jack Smith filed a motion asking the judge overseeing Trump’s classified-documents case to block him from making public statements that could put law enforcement in danger. “Those deceptive and inflammatory assertions irresponsibly put a target on the backs of the FBI agents involved in this case, as Trump well knows,” he wrote.

M otivated ignorance refers to willfully blinding oneself to facts. It’s choosing not to know. In many cases, for many people, knowing the truth is simply too costly, too psychologically painful, too threatening to their core identity. Nescience is therefore incentivized; people actively decide to remain in a state of ignorance. If they are presented with strong arguments against a position they hold, or compelling evidence that disproves the narrative they embrace, they will reject them. Doing so fends off the psychological distress of the realization that they’ve been lying to themselves and to others.

Motivated ignorance is a widespread phenomenon; most people, to one degree or another, employ it. What matters is the degree to which one embraces it, and the consequences of doing so. In the case of MAGA world, the lies that Trump supporters believe, or say they believe, are obviously untrue and obviously destructive. Since 2016 there’s been a ratchet effect, each conspiracy theory getting more preposterous and more malicious. Things that Trump supporters wouldn’t believe or accept in the past have since become loyalty tests. Election denialism is one example. The claim that Trump is the target of “lawfare,” victim to the weaponization of the justice system, is another.

I have struggled to understand how to view individuals who have not just voted for Trump but who celebrate him, who don’t merely tolerate him but who constantly defend his lawlessness and undisguised cruelty. How should I think about people who, in other domains of their lives, are admirable human beings and yet provide oxygen to his malicious movement? How complicit are people who live in an epistemic hall of mirrors and have sincerely—or half-sincerely—convinced themselves they are on the side of the angels?

Throughout my career I’ve tried to resist the temptation to make unwarranted judgments about the character of people based on their political views. For one thing, it’s quite possible my views on politics are misguided or distorted, so I exercise a degree of humility in assessing the views of others. For another, I know full well that politics forms only a part of our lives, and not the most important part. People can be personally upstanding and still be wrong on politics.

But something has changed for me in the Trump era. I struggle more than I once did to wall off a person’s character from their politics when their politics is binding them to an unusually—and I would say undeniably—destructive person. The lies that MAGA world parrots are so manifestly untrue, and the Trump ethic is so manifestly cruel, that they are difficult to set aside.

If a person insists, despite the overwhelming evidence, that Trump was the target of an assassination plot hatched by Biden and carried out by the FBI, this is more than an intellectual failure; it is a moral failure, and a serious one at that. It’s only reasonable to conclude that such Trump supporters have not made a good-faith effort to understand what is really and truly happening. They are choosing to live within the lie, to invoke the words of the former Czech dissident and playwright Vaclav Havel.

One of the criteria that need to be taken into account in assessing the moral culpability of people is how absurd the lies are that they are espousing; a second is how intentionally they are avoiding evidence that exposes the lies because they are deeply invested in the lie; and a third is is how consequential the lie is.

It’s one thing to embrace a conspiracy theory that is relevant only to you and your tiny corner of the world. It’s an entirely different matter if the falsehood you’re embracing and promoting is venomous, harming others, and eroding cherished principles, promoting violence and subverting American democracy.

I n his book The Bible Told Them So: How Southern Evangelicals Fought to Preserve White Supremacy , J. Russell Hawkins tells the story of a June 1963 gathering of more than 200 religious leaders in the White House. President John F. Kennedy was trying to rally their support for civil-rights legislation.

Among those in attendance was Albert Garner, a Baptist minister from Florida, who told Kennedy that many southern white Christians held “strong moral convictions” on racial integration. It was, according to Garner, “against the will of their Creator.”

“Segregation is a principle of the Old Testament,” Garner said, adding, “Prior to this century neither Christianity nor any denomination of it ever accepted the integration philosophy.”

Two months later, in Hanahan, South Carolina, members of a Southern Baptist church—they described themselves as “Christ centered” and “Bible believing”—voted to take a firm stand against civil-rights legislation.

“The Hanahan Baptists were not alone,” according to Hawkins. “Across the South, white Christians thought the president was flaunting Christian orthodoxy in pursuing his civil rights agenda.” Kennedy “simply could not comprehend the truth Garner was communicating: based on their religious beliefs, southern white Christians thought integration was evil.”

A decade earlier, the Reverend Carey Daniel, pastor of First Baptist Church in West Dallas, Texas, had delivered a sermon titled “ God the Original Segregationist ,” in response to the 1954 Supreme Court decision in Brown v. Board of Education . It became influential within pro-segregationist southern states. Daniel later became president of the Central Texas Division of the Citizens Council of America for Segregation, which asked for a boycott of all businesses, lunch counters included, that served Black patrons. In 1960, Daniel attacked those “trying to destroy the white South by breaking the color line, thus giving aid and comfort to our Communist enemies.”

Now ask yourself this: Did the fierce advocacy on behalf of segregation, and the dehumanization of Black Americans, reflect in any meaningful way on the character of those who advanced such views, even if, say, they volunteered once a month at a homeless shelter and wrote a popular commentary on the Book of Romans? Readers can decide whether MAGA supporters are better or worse than Albert Garner and Carey Daniel. My point is that all of us believe there’s some place on the continuum in which the political choices we make reflect on our character. Some movements are overt and malignant enough that to willingly be a part of them becomes ethically problematic.

Read: The voters who don’t really know Trump

This doesn’t mean those in MAGA world can’t be impressive people in other domains of life, just like critics of Trump may act reprehensibly in their personal lives and at their jobs. I’ve never argued, and I wouldn’t argue today, that politics tells us the most important things about a person’s life. Trump supporters and Trump critics alike can brighten the lives of others, encourage those who are suffering, and demonstrate moments of kindness and grandeur.

I understand, too, if their moral convictions keep them from voting for Joe Biden.

But it would be an affectation for me, at least, to pretend that in this particular circumstance otherwise good people, in joining the MAGA movement, in actively advocating on its behalf, and in planning to cast a vote for Trump, haven’t—given all we know—done something grievously wrong.

Some of them are cynical and know better; others are blind to the cultlike world to which they belong. Still others have convinced themselves that Trump, although flawed, is the best of bad options. It’s a “binary choice,” they say, and so they have talked themselves into supporting arguably the most comprehensively corrupt man in the history of American politics, certainly in presidential politics.

Whichever justification applies, they are giving not just their vote but their allegiance to a man and movement that have done great harm to our country and its ideals, and which seek to inflict even deeper wounds in the years ahead. Many of them are self-proclaimed evangelicals and fundamentalists, and they are also doing inestimable damage to the Christian faith they claim is central to their lives. That collaboration needs to be named. A generation from now, and probably sooner, it will be obvious to everyone that Trump supporters can’t claim they didn’t know.

• Updated Terms of Use
• New Privacy Policy
• Your Privacy Choices
• Closed Captioning Policy

Quotes displayed in real-time or delayed by at least 15 minutes. Market data provided by  Factset . Powered and implemented by  FactSet Digital Solutions .  Legal Statement .

This material may not be published, broadcast, rewritten, or redistributed. ©2024 FOX News Network, LLC. All rights reserved. FAQ - New Privacy Policy

This week's personal loan rates fall for 3-year loans, jump up for 5-year loans

The latest trends in interest rates for personal loans from the Credible marketplace, updated weekly. ( iStock )

Borrowers with good credit seeking personal loans during the past seven days prequalified for rates that were lower for 3-year loans and higher for 5-year loans when compared to fixed-rate loans for the seven days before.

For borrowers with credit scores of 720 or higher who used the Credible marketplace to select a lender between June 13 and June 19:

• Rates on 3-year fixed-rate loans averaged 15.63%, down from 15.83% the seven days before and up from 14.77% a year ago.
• Rates on 5-year fixed-rate loans averaged 18.65%, up from 18.05% the previous seven days and down from 18.71% a year ago.

Personal loans have become a popular way to consolidate debt and pay off credit card debt and other loans. They can also be used to cover unexpected and emergency expenses like medical bills, take care of a major purchase, or fund home improvement projects .

Average personal loan interest rates

Average personal loan interest rates have decreased over the last seven days for 3-year loans and increased for 5-year loans. While 3-year loan rates fell by 0.20 percentage points, rates on 5-year loans rose by 0.60 percentage points. Interest rates for 3-years terms remain higher than they were this time last year, up 0.86 percentage points. Meanwhile, 5-year terms have fallen slightly, down 0.06 percentage since this time last year.

Still, borrowers can take advantage of interest savings with a 3- or 5-year personal loan, as both loan terms offer lower interest rates on average than higher-cost borrowing options such as credit cards. 

But whether a personal loan is right for you depends on multiple factors, including what rate you can qualify for, which is largely based on your credit score. Comparing multiple lenders and their rates helps ensure you get the best personal loan for your needs. 

Before applying for a personal loan, use a personal loan marketplace like Credible to comparison shop .

Personal loan weekly rate trends

Here are the latest trends in personal loan interest rates from the Credible marketplace, updated weekly.

The chart above shows average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible marketplace to select a lender. 

For the month of May 2024:

• Rates on 3-year personal loans averaged 22.35%, down from 22.65% in April.
• Rates on 5-year personal loans averaged 24.52%, down from 24.53% in April.

Rates on personal loans vary considerably by credit score and loan term. If you're curious about what kind of personal loan rates you may qualify for, you can use an online tool like Credible to compare options from different private lenders.

All Credible marketplace lenders offer fixed-rate loans at competitive rates. Because lenders use different methods to evaluate borrowers, it’s a good idea to request personal loan rates from multiple lenders so you can compare your options.

Current personal loan rates by credit score

In May, the average prequalified rate selected by borrowers was: 

• 13.42% for borrowers with credit scores of 780 or above choosing a 3-year loan
• 32.07% for borrowers with credit scores below 600 choosing a 5-year loan

Depending on factors such as your credit score, which type of personal loan you’re seeking and the loan repayment term, the interest rate can differ. 

As shown in the chart above, a good credit score can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms. 

Where are interest rates headed?

A lot happened this week in the world of interest rates.

The Bureau of Labor Statistics (BLS) reported on Wednesday that inflation slowed in May, raising hopes for multiple interest rate cuts in 2024. Later that day, the Fed concluded its June meeting , signaling one cut of by the end of the year while holding rates steady. As of now, we anticipate one 25 basis point (0.25 percentage points) cut this year, and a 100 basis point (1 percentage point) cut in 2025.

Currently sitting at 5.25% to 5.50%, the federal funds rate is the highest it's been since 2001. Sticky inflation and low unemployment had made any cuts seem unlikely as of a week ago. But the news may deliver relief for borrowers burdened with high interest costs and those considering a loan. However, demand for personal loans has increased and all signs point to this trend continuing, while debt levels and delinquency rates have risen as well. This may indicate more consumers will struggle to be approved at low rates or at all — even if we see rates fall. 

How to get a lower interest rate

Many factors influence the interest rate a lender might offer you on a personal loan. But you can take some steps to boost your chances of getting a lower interest rate. Here are some tactics to try.

Increase credit score

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

• Pay bills on time: Payment history is the most important factor in your credit score. Pay all your bills on time for the amount due.
• Check your credit report: Look at your credit report to ensure there are no errors on it. If you find errors, dispute them with the credit bureau.
• Lower your credit utilization ratio: Paying down credit card debt can improve this important credit-scoring factor.
• Avoid opening new credit accounts: Only apply for and open credit accounts you actually need. Too many hard inquiries on your credit report in a short amount of time could lower your credit score.

Choose a shorter loan term

Personal loan repayment terms can vary from one to several years. Generally, shorter terms come with lower interest rates, since the lender’s money is at risk for a shorter period of time.

If your financial situation allows, applying for a shorter term could help you score a lower interest rate. Keep in mind the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

Get a cosigner

You may be familiar with the concept of a cosigner if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, finding a cosigner with good credit could help you secure a lower interest rate.

Just remember, if you default on the loan, your cosigner will be on the hook to repay it. And cosigning for a loan could also affect their credit score.

Compare rates from different lenders

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders typically offer the most competitive rates – and can be quicker to disburse your loan than a brick-and-mortar establishment. 

But don’t worry, comparing rates and terms doesn’t have to be a time-consuming process.

Credible makes it easy. Just enter how much you want to borrow and you’ll be able to compare multiple lenders to choose the one that makes the most sense for you.

About Credible

Credible is a multi-lender marketplace that empowers consumers to discover financial products that are the best fit for their unique circumstances. Credible’s integrations with leading lenders and credit bureaus allow consumers to quickly compare accurate, personalized loan options – without putting their personal information at risk or affecting their credit score. The Credible marketplace provides an unrivaled customer experience, as reflected by over 6,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

• Best for customer satisfaction
• Best for older adults
• Best for long-term care
• Best for high returns
• Best for agent support
• Best for term life
• Why you should trust us

Best Life Insurance of June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Life insurance is as complicated as the policyholders and beneficiaries who use it. That means there's no single "best" life insurance company. Instead, you can find the best option based on what you want or what you prioritize.

Summary of the Best Life Insurance Companies

• 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 .

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 .

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.

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.

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.

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.

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.

• Main content

Generate accurate APA citations for free

• Knowledge Base
• APA Style 7th edition

Direct quotes in APA Style

Published on November 12, 2020 by Shona McCombes . Revised on June 16, 2022.

A direct quote is a piece of text copied word-for-word from a source. You may quote a word, phrase, sentence, or entire passage.

There are three main rules for quoting in APA Style:

• If the quote is under 40 words, place it in double quotation marks .
• If the quote is 40 words or more, format it as a block quote .
• Cite the author, year, and page number with an APA in-text citation .

Instantly correct all language mistakes in your text

Upload your document to correct all your mistakes in minutes

Table of contents

Citing a direct quote, quoting a source with no page numbers, quoting 40 words or more (apa block quotes), making changes to direct quotes in apa, frequently asked questions about apa style.

To cite a quote in APA, you always include the the author’s last name, the year the source was published, and the page on which the quote can be found. The page number is preceded by “p.” (for a single page) or “pp.” (for a page range).

There are two types of APA in-text citation : parenthetical and narrative.

In a parenthetical citation, you place the entire citation in parentheses directly after the quote and before the period (or other punctuation mark).

In a narrative citation, the author(s) appear as part of your sentence. Place the year in parentheses directly after the author’s name, and place the page number in parentheses directly after the quote.

Remember that every in-text citation must correspond to a full APA reference at the end of the text. You can easily create your reference list with our free APA Citation Generator.

Generate APA references

Prevent plagiarism. Run a free check.

Some source types, such as web pages , do not have page numbers. In this case, to cite a direct quote, you should generally include an alternative locator, unless the source is very short.

The locator may be a chapter or section heading (abbreviated if necessary), a paragraph number, or a combination of the two. Use whichever locator will help your reader find the quote most easily.

For sources such as movies , YouTube videos , or audiobooks, use a timestamp to locate the beginning of the quote.

• Section heading
• Paragraph number
• Section and paragraph

If the quote contains 40 words or more, it must be formatted as a block quote. To format a block quote in APA Style:

• Do not use quotation marks.
• Start the quote on a new line.
• Indent the entire quote 0.5 inches.
• Double-space the entire quote.

Like regular quotes, block quotes can be cited with a parenthetical or narrative citation. However, if the block quote ends with a period, place the citation after the period.

• Parenthetical

Block quoting is particularly useful when you want to comment on an author’s language or present an argument that you will then critique. By setting the quote on a new line and indenting it, the passage is clearly marked apart from your own words. Therefore, no quotation marks are necessary. (O’Connor, 2019, p. 38)

Block quoting is particularly useful when you want to comment on an author’s language or present an argument that you will then critique. By setting the quote on a new line and indenting it, the passage is clearly marked apart from your own words. Therefore, no quotation marks are necessary. (p. 38)

Block quotes with multiple paragraphs

If the block quote contains multiple paragraphs, indent the first line of each paragraph after the first.

Block quoting is particularly useful when you want to comment on an author’s language or present an argument that you will then critique. By setting the quote on a new line and indenting it, the passage is clearly marked apart from your own words. Therefore, no quotation marks are necessary.

However, it is important not to rely on long quotes to make your point for you. Each quote must be introduced and explained or discussed in your own words. (O’Connor, 2019, p. 38)

In general, a direct quote should be an exact reproduction of the original. However, there are some situations where you may need to make small changes.

You may change the capitalization of the first word or the final punctuation mark in order to integrate the quote grammatically into your sentence, as long as the meaning is not altered.

Any other changes must be marked following these APA guidelines.

Shortening a quote

If you want to omit some words, phrases, or sentences from the quote to save space, use an ellipsis (. . .) with a space before and after it to indicate that some material has been left out.

If the part you removed includes a sentence break, add a period before the ellipsis to indicate this.

• No sentence break
• Sentence break

Clarifying a quote

Sometimes you might want to add a word or phrase for context. For example, if a pronoun is used in the quote, you may add a name to clarify who or what is being referred to.

Any added text should be enclosed in square brackets to show that it is not part of the original.

Adding emphasis to quotes

If you want to emphasize a word or phrase in a quote, italicize it and include the words “emphasis added” in square brackets.

Errors in quotes

If the quote contains a spelling or grammatical error, indicate it with the Latin word “sic”, italicized and in square brackets, directly after the error.

Scribbr Citation Checker New

The AI-powered Citation Checker helps you avoid common mistakes such as:

• Missing commas and periods
• Incorrect usage of “et al.”
• Ampersands (&) in narrative citations
• Missing reference entries

To include a direct quote in APA , follow these rules:

• Quotes under 40 words are placed in double quotation marks .
• Quotes of 40 words or more are formatted as block quote .
• The author, year, and page number are included in an APA in-text citation .

You need an APA in-text citation and reference entry . Each source type has its own format; for example, a webpage citation is different from a book citation .

Use Scribbr’s free APA Citation Generator to generate flawless citations in seconds or take a look at our APA citation examples .

When you quote or paraphrase a specific passage from a source, you need to indicate the location of the passage in your APA in-text citation . If there are no page numbers (e.g. when citing a website ) but the text is long, you can instead use section headings, paragraph numbers, or a combination of the two:

(Caulfield, 2019, Linking section, para. 1).

Section headings can be shortened if necessary. Kindle location numbers should not be used in ebook citations , as they are unreliable.

If you are referring to the source as a whole, it’s not necessary to include a page number or other marker.

The abbreviation “ et al. ” (meaning “and others”) is used to shorten APA in-text citations with three or more authors . Here’s how it works:

Only include the first author’s last name, followed by “et al.”, a comma and the year of publication, for example (Taylor et al., 2018).

In an APA in-text citation , you use the phrase “ as cited in ” if you want to cite a source indirectly (i.e., if you cannot find the original source).

Parenthetical citation: (Brown, 1829, as cited in Mahone, 2018) Narrative citation: Brown (1829, as cited in Mahone, 2018) states that…

On the reference page , you only include the secondary source (Mahone, 2018).

In academic writing , there are three main situations where quoting is the best choice:

• To analyze the author’s language (e.g., in a literary analysis essay )
• To give evidence from primary sources
• To accurately present a precise definition or argument

Don’t overuse quotes; your own voice should be dominant. If you just want to provide information from a source, it’s usually better to paraphrase or summarize .

Cite this Scribbr article

If you want to cite this source, you can copy and paste the citation or click the “Cite this Scribbr article” button to automatically add the citation to our free Citation Generator.

McCombes, S. (2022, June 16). Direct quotes in APA Style. Scribbr. Retrieved June 18, 2024, from https://www.scribbr.com/apa-style/direct-quotes/

Is this article helpful?

Shona McCombes

Other students also liked, beginner's guide to apa in-text citation, creating apa reference entries, apa format for academic papers and essays, get unlimited documents corrected.

✔ Free APA citation check included ✔ Unlimited document corrections ✔ Specialized in correcting academic texts

• Share full article

Advertisement

Supported by

GuEST Essay

Mitch McConnell: We Cannot Repeat the Mistakes of the 1930s

By Mitch McConnell

Mr. McConnell is the Senate minority leader.

On this day in 1944, the liberation of Western Europe began with immense sacrifice. In a tribute delivered 40 years later from a Normandy cliff, President Ronald Reagan reminded us that “the boys of Pointe du Hoc” were “heroes who helped end a war.” That last detail is worth some reflection because we are in danger of forgetting why it matters.

American soldiers, sailors, airmen and Marines joined allies and took the fight to the Axis powers not as a first instinct, but as a last resort. They ended a war that the free world’s inaction had left them no choice but to fight.

Generations have taken pride in the triumph of the West’s wartime bravery and ingenuity, from the assembly lines to the front lines. We reflect less often on the fact that the world was plunged into war, and millions of innocents died, because European powers and the United States met the rise of a militant authoritarian with appeasement or naïve neglect in the first place.

We forget how influential isolationists persuaded millions of Americans that the fate of allies and partners mattered little to our own security and prosperity. We gloss over the powerful political forces that downplayed growing danger, resisted providing assistance to allies and partners, and tried to limit America’s ability to defend its national interests.

Of course, Americans heard much less from our disgraced isolationists after the attack on Pearl Harbor.

Today, America and our allies face some of the gravest threats to our security since Axis forces marched across Europe and the Pacific. And as these threats grow, some of the same forces that hampered our response in the 1930s have re-emerged.

We are having trouble retrieving the article content.

Please enable JavaScript in your browser settings.

Thank you for your patience while we verify access. If you are in Reader mode please exit and  log into  your Times account, or  subscribe  for all of The Times.

Thank you for your patience while we verify access.

Already a subscriber?  Log in .

Want all of The Times?  Subscribe .