EDITORIAL STANDARDS
How we research and review articles
Source standards
We prioritize primary and authoritative sources such as state insurance departments, the National Association of Insurance Commissioners, federal regulators, carrier-filed materials, and recognized industry organizations. Supporting books, videos, and articles may add context but do not replace official sources.
AI assistance and human review
Technology may assist with research organization, outlines, drafts, and image concepts. An authorized Ins Cheat Sheet editor must review an article before it is published. Review includes checking source relevance, removing unsupported claims, confirming that the tone is educational, and verifying that limitations are clear.
Insurance and financial limitations
Articles do not quote coverage, determine eligibility, interpret a specific contract, or provide individualized insurance, legal, tax, investment, or financial advice. Readers should review current policy language and consult appropriately licensed professionals before acting.
Updates and corrections
We display publication and modification dates and revisit material when regulations, industry standards, or important sources change. If an article is inaccurate or unclear, contact us with the article URL and supporting information. Material corrections are made directly in the article and reflected in its updated date.
Editorial independence
Educational articles are not carrier appointments, coverage guarantees, or paid endorsements. A product or organization is mentioned only when it is relevant to the topic or source material.