InsureTerm
Editorial standards
The rules every guide in the library follows before it publishes, and what happens when we get something wrong.
InsureTerm is run by an independent, licensed insurance agency. The library exists so you can understand how term life behaves before you talk to anyone, including us. These are the standards it is held to.
Who writes and reviews the guides
Guides are written by the InsureTerm editorial team and reviewed by a licensed life insurance agent before they go live. Writers do not earn anything tied to which insurer a reader later buys from.
Which sources we use
- Insurer documents written for the public, such as product pages, consumer guides, sample policy forms and published rate pages.
- Trade press, rating agency releases and research groups that publish their figures openly.
- Pages we opened ourselves. Each guide lists every source with the date it was opened, and the footnote numbers in the text point to that list.
We do not use documents an insurer marks for agents, brokers or financial professionals only, or anything labeled as not for public distribution, even when such a file can be found online. If a fact is only available in that kind of document, the guide leaves it out or says the insurer does not publish it.
How prices are shown
Every premium in the library is a dated sample. It states the source, the date it was checked and the assumptions behind it, which means the age, sex, health class, coverage amount, length and, where the source names one, the insurer. A sample is never a quote. Your price is set by the insurer after it reviews your application.
Words we use carefully
- Guaranteed is used only for a premium during the level premium period stated in a policy. We do not use it for approval, for prices after the level period or for anything a company can change.
- Conversion rules are always given with the insurer and product named, because each company writes its own deadline and its own list of products you can convert into.
- Best and cheapest are avoided unless a dated comparison with its method is on the page.
Independence
The agency is paid by insurers when a policy is placed, as explained on how we are paid. That payment does not decide what a guide says about a company or a product. When keeping the policy you already own is the better choice, the guide says so.
Corrections log
If you find an error, call (305) 699-5857 and tell us the page and the line. We check it against the source, fix it, update the date on the page and record the change here with the date and what changed.
No corrections have been logged yet.
Your own price, from a licensed agent
Questions about a guide? An agent can walk you through it
- Answer a few quick questions. Age, state, health and the coverage you want.
- A licensed agent calls you. From an independent agency that compares more than one insurer.
- You see real prices and conversion rules side by side. Nothing is bought on the call unless you choose it.
