Editorial Policy

Purpose

We create people-first explainers that help readers understand insurance terminology and tradeoffs. We do not publish content primarily to manipulate search rankings.

Sourcing

Prefer primary or reputable secondary sources such as state departments of insurance, NAIC consumer materials, and established industry education resources. We avoid copying other publishers.

Review dates

Each article shows a reviewed date. Cost figures and regulatory notes are refreshed on a planned quarterly cycle or sooner when we learn of material changes.

AI assistance

Drafting tools may assist research organization. Every published article is edited for accuracy, clarity, and originality before going live. Automation is not used to mass-produce unreviewed pages.

Conflicts

Advertising and future affiliate relationships (if any) do not change definitions of coverage. Monetization is disclosed on How We Make Money.