Last updated: November 3, 2026
Our Commitment
National Insurance Guide is an independent educational resource about insurance products, government programs, and related financial topics. Our goal is to help readers understand their options, not to sell them a specific product. This page explains how we research, verify, and update our content.
Editorial Independence
Our editorial decisions are made independently of advertisers and insurance providers. We do not accept payment from insurers in exchange for favorable coverage, rankings, or ratings. The Site is supported by advertising, and we may feature promotional content or links to third-party products with which our operators have a business relationship. These relationships are disclosed in the Advertising Disclosure in the footer of every page and do not determine what we write or how we evaluate products.
Sources
We prioritize primary and authoritative sources:
- Federal and state agencies and regulators (for example, the Department of Veterans Affairs, CMS, the Social Security Administration, and state departments of insurance)
- Official policy documents, rate filings, and terms published by insurers
- Statutes and regulations
- Recognized industry and academic research
News media, aggregators, and forums serve only as context. Anything taken from them is checked against a primary source before publication.
Fact-Checking Process
- Research and drafting. The author records the main source for each factual claim.
- Verification. In a separate pass before publication, the editor rechecks rates, premiums, coverage limits, eligibility criteria, deadlines, and legal references against the original source, not against another website’s summary.
- Removal of unsupported claims. Statements that cannot be verified against a reliable source are removed or rewritten.
- Disclosure of uncertainty. Where information differs by state, insurer, or individual circumstances, or is an estimate, we say so in the text.
Review and Update Schedule
| Content type | Review frequency |
|---|---|
| Time-sensitive content: rates, premiums, program thresholds, legal requirements, company product pages | At least every 3 months |
| General educational content | At least every 6 months |
| Event-driven changes: new legislation, regulatory decisions, changes in insurer terms | Promptly after the change becomes known |
The “last updated” or “last reviewed” date on an article shows the most recent substantive review. A review means the material was rechecked against current sources; it does not mean every statement was changed.
Corrections
If you find an error or outdated information, email contact@nationalinsuranceguide.com with the page address and, if possible, a link to the source. We aim to respond within 5 business days. Confirmed errors are corrected promptly, and significant corrections are noted on the page.
Limits
We make a good-faith effort to keep content accurate, but we cannot guarantee that every page is complete or current at the moment you read it. Content is for information only and is not legal, financial, or insurance advice. Please verify details with the insurer, the relevant government agency, or a licensed professional. See our Terms of Use.