Editorial Standards

MyInsuranceCalcs.com publishes insurance calculators, plain-English guides, and coverage of insurance regulation and industry data. Insurance decisions carry real financial consequences, so this page sets out exactly who writes our content, where the numbers come from, how we check them, and what happens when we get something wrong.

Author and maintainer: Content is written and maintained by De Van Do, founder of MyInsuranceCalcs.com. His background is in technology, not insurance. He is not a licensed insurance agent, broker, or adjuster, and holds no professional insurance credential. Everything on this site is educational information, not insurance advice. We state this plainly rather than implying expertise we do not have.

Editorial Independence

We do not accept payment to feature, rank, or recommend any insurer. We run no affiliate links, no lead generation forms, and no referral arrangements with carriers or brokers. No insurer, agency, or comparison service has reviewed, approved, or influenced anything published here.

The site is funded by automated display advertising through Google AdSense. Those ads are selected by Google, not by us. We have no relationship with the advertisers who appear, we do not know in advance which ads will run, and ad placement has no bearing on what we write or which products we describe favorably or unfavorably.

What We Publish

Our content falls into three categories, and we treat each differently.

  • Calculators. Estimation tools built on published baseline rates and rating factors. Every calculator documents its formula and inputs. See our methodology page for how the math works.
  • Guides. Explanatory articles about coverage types, terminology, and how insurance pricing behaves. These are reference material rather than news.
  • News and regulatory coverage. Posts reporting on rule changes, premium filings, and industry data. Roughly half of our blog is original editorial explanation; the rest reports on specific official publications. Every post names its source.

Sourcing

We prefer primary documents over secondary coverage. Where a rule, premium, or threshold is at issue, we work from the agency's own final rule, fact sheet, or press release rather than another outlet's summary of it. Sources we cite regularly include:

  • Centers for Medicare and Medicaid Services (CMS)
  • National Association of Insurance Commissioners (NAIC)
  • Social Security Administration (SSA)
  • Federal Emergency Management Agency (FEMA), for flood and NFIP coverage
  • HealthCare.gov and HHS benefit and payment parameter rules
  • State insurance departments
  • LIMRA, for life insurance sales and industry data
  • Insurance Information Institute (Triple-I)
  • Consumer Financial Protection Bureau (CFPB)

Every news post carries a named source and a link to it, so you can read the underlying document yourself rather than taking our summary on trust. Posts that are our own analysis rather than reporting on an external publication are attributed to MyInsuranceCalcs Editorial, so it is clear which is which.

Verifying Figures

Statutory and regulatory numbers are the ones most likely to cause real harm if wrong, so they get the most scrutiny. Premium caps, deductibles, contribution limits, income thresholds, and cost-of-living adjustments are checked against the issuing agency's own publication before they go live, not against a secondary source that quotes it.

These figures change on statutory schedules. A number that was correct last year may not be correct now, and an expired schedule that still reads plausibly is a particular risk. When we update a figure, we also check the guides and calculators that derive from it, because correcting one page does not correct the pages built on top of it.

Corrections

We publish corrections rather than quietly editing pages. If a figure, citation, or statement is wrong, we want to know. Email contact@myinsurancecalcs.com with the page URL and, where relevant, the source you believe is correct.

  • We check the claim against the primary source before changing anything.
  • If it is wrong, we correct it, update the page's modification date, and check every related guide and calculator that relies on the same figure.
  • If a source we previously cited has moved or been withdrawn, we replace the citation rather than leaving a dead link on a page making a factual claim.

What We Do Not Do

  • We do not give advice about your specific situation. We are not licensed to, and a calculator cannot know your circumstances.
  • We do not quote, bind, or sell insurance, and we do not pass your details to anyone who does.
  • We do not collect personal data through our calculators. Inputs are processed in your browser and are not stored or transmitted. See our Privacy Policy.
  • We do not present estimates as quotes. Actual premiums are set by insurers using underwriting data we do not have.

Questions about how we work are welcome at contact@myinsurancecalcs.com. For the mechanics of our estimates, see methodology; for the limits of what our figures represent, see our disclaimer.