Editorial standards
Life insurance decisions affect your family's finances, so every page we publish is sourced, reviewed by a licensed agent and kept up to date.
Who writes and reviews our content
Our guides are written by the Policy Ocean team and reviewed by licensed life insurance agents who quote and place these policies every day. Each page shows who reviewed it and when it was last updated.
How we research
We build pages from primary sources: carrier product guides and applications, AM Best ratings, state insurance departments and statutes, the NAIC, and the National Funeral Directors Association for funeral costs. Every page lists the sources it relies on.
We use software tools, including AI, to help research and draft. A person checks every fact against its source, and a licensed agent reviews the page before it is published.
Rates and examples
Rate tables are dated. Read how we calculate our rates to see where the numbers come from and what affects your own price.
Independence
We are an independent agency paid by the carriers we place policies with. Commissions never decide what we write or which carriers we feature. Read how we make money.
Updates and corrections
We review money pages at least every six months, and sooner when a carrier changes a product or a law changes. If you spot an error, email [email protected] and we will correct it and update the page date.
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