# Editorial policy

Accuracy, clarity, independence, and visible limitations guide every article.

## Research standards

We prioritize primary sources: issued policy forms, state insurance departments, federal agencies, statutes and regulations, and recognized consumer resources such as the NAIC. Secondary sources may provide context but should not override primary material.

## Writing standards

- Explain technical terms when first used.
- Separate common patterns from guaranteed policy outcomes.
- Avoid calling a product “best” without a defined methodology.
- State when rules vary by state, plan, or insurer.
- Never invent quotations, statistics, credentials, or first-hand experience.

## Review and updates

Each guide displays a publication or review date. Material changes should trigger a new review. An update date does not mean every linked external page remains unchanged.

## Commercial independence

Advertising does not determine conclusions. Sponsored material, if introduced, will be labeled. We do not currently sell consumer leads or accept payment for ranking an insurer.

## Use of automation

Drafting and editing tools may assist production, but publication requires human-directed topic selection, fact framing, source review, and final responsibility. We do not represent automated output as professional advice.

## Corrections policy

Confirmed material errors will be corrected promptly and, when useful to readers, noted on the affected page. Differences in policy wording are not automatically errors; the relevant contract and jurisdiction must be identified.

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