Editorial policy
The short version
Every fact here comes from a primary source. If we can't verify something, we leave it out rather than guess. We write in plain language, we don't rank companies, we never say a product is "best," and we fix mistakes in the open.
Where our facts come from
We work from primary sources, not from other websites' summaries. In practice that means:
- State departments of insurance, for rules and consumer guidance.
- The National Association of Insurance Commissioners, for model regulations and buyer guides.
- The IRS and the Internal Revenue Code, for anything about taxes.
- The Social Security Administration, for benefit rules and figures.
- State statutes and filed insurance policy documents, for what contracts actually say.
- Insurance companies' own published material, for how their products work.
Every page ends with the sources it draws on, so you can check us.
What we won't publish
This is the rule we hold hardest: we never publish a number we haven't verified.
We don't invent premiums, rates, average costs, returns, or statistics. Life insurance pricing is individual and set by underwriting, so any "average cost" figure would mislead you about what you'd actually pay. Where a figure exists but we can't confirm it from a primary source, we leave it out and say so rather than fill the gap with something plausible.
When we do use a dated figure, such as a tax threshold or a Social Security limit, we label the year, because those change.
How we write
- Plain language. We define every insurance term the first time it appears on a page.
- Answer first. Each page opens with a short summary, so you can get the gist without reading the whole thing.
- Both sides. Where experts genuinely disagree, we say so and present the honest case for each rather than picking a winner.
- No "best." We compare. We don't rank, rate, or crown a winner, because the right answer depends on your situation, not on our opinion.
Who reviews it
Content is drafted with AI assistance and reviewed by James Mills, a retired financial planner who held professional designations in Financial Planning, Life Insurance, and Estate Planning and is a former Florida life insurance agent. Those credentials are past tense: he is retired, not actively licensed, and does not sell insurance. More on the about page.
Review means checking that the substance is right and that the writing reflects how these products actually behave in practice, not just how they're described on paper.
Keeping pages current
Insurance rules, tax thresholds, and Social Security figures change. Each page shows when it was last updated.
If a source has changed and we haven't caught up yet, we'd rather show the old figure clearly labeled than a new one we haven't verified.
Corrections
We will get things wrong. When we do, we fix the page and note it.
If you spot an error, please tell us at contact@lifeinsurancelearn.com. Corrections from readers are welcome and we take them seriously, especially from people who work in the industry and can point us at the right document.
What this site is not
This is general education, not advice. We don't know your health, your finances, or your family, so nothing here is a recommendation for you specifically. We are not an insurance agency, not a licensed producer, and we don't sell insurance. For a decision that matters, talk to a licensed professional.
Last updated: July 23, 2026