Our Editorial Policy

Who Writes This Content

MyLifeInsuranceCalc.com is founded and edited by Brad Burton. Brad has spent a decade building content and tools in personal finance, with a focus on helping people make sense of coverage decisions that are often opaque and confusing.

Brad is not a licensed insurance agent or financial advisor. Nothing on this site constitutes personalized insurance advice. All content is intended as research-based educational guidance to help readers understand how life insurance works, what typical rates look like, and what factors affect coverage decisions.

Before making any life insurance decision — including choosing a policy type, coverage amount, or carrier — readers should consult a licensed insurance professional who can evaluate their individual circumstances.

How We Research and Source Content

Every article and tool on this site is built on publicly available, authoritative sources. We do not fabricate rates, invent statistics, or publish unsourced claims. Our primary sources include:

• Publicly available data from the National Association of Insurance Commissioners (NAIC)
• Life insurance industry research from LIMRA (Life Insurance Marketing and Research Association)
• Published rate data from major U.S. life insurance carriers
• Government sources including the Social Security Administration, IRS, Department of Veterans Affairs, and state insurance departments
• Published medical research when covering health-related underwriting topics, including guidance from the American Diabetes Association (ADA), American Heart Association (AHA), American Academy of Sleep Medicine (AASM), and similar bodies

All rate tables on this site show illustrative ranges based on available market data. Every rate table includes a disclaimer that actual rates depend on individual underwriting and vary by carrier and state. We do not present any rate figure as a guaranteed or bindable quote.

Our Content Standards

Life insurance is a YMYL (Your Money or Your Life) topic. Errors or overstatements can lead readers toward coverage decisions that harm them financially or leave their families underprotected. We take accuracy seriously and apply the following standards across all content:

• We never fabricate specific medical thresholds as universal rules. All health-related statements use appropriate qualifiers — "typically," "most carriers," "varies by insurer" — because underwriting criteria differ meaningfully across companies.
• We never publish specific program names, premium figures, or legal limits as absolutes without sourcing. Where figures are cited, the source is identified.
• We do not make investment recommendations or provide tax advice. When tax or investment considerations are relevant, we direct readers to appropriate licensed professionals.
• We do not recommend specific insurance carriers. Content that references individual companies does so for illustrative or comparative purposes only.

What We Don't Do

To be clear about the boundaries of this site:

• We don't sell life insurance.
• We don't earn commissions from insurance carriers or agents.
• We don't sell or rent reader data to third parties.
• We don't accept sponsored content or paid placements.
• We don't accept payment in exchange for positive coverage of any product or company.

Editorial decisions — what topics we cover, how we cover them, which products or carriers we reference — are made independently of any commercial relationship.

How This Site Makes Money

We believe readers deserve a clear explanation of how a site is funded. MyLifeInsuranceCalc.com generates revenue in two ways:

Display Advertising

This site is ad-supported. Google AdSense displays advertisements based on page content and reader context. Ad revenue does not influence editorial content. Advertisers have no input into what we write, how we write it, or what conclusions we reach.

Lead Generation Form

The quote request form on the homepage is a lead-generation form powered by Formspree. If you submit a quote request, your contact information may be shared with licensed insurance agents who can follow up with personalized quotes. We receive no commission or referral fee from any agent or carrier contact that results from form submissions. Submitting the form is entirely optional and is not required to use the calculator or read any content on this site.

Corrections and Updates

Insurance regulations, carrier underwriting guidelines, and market rates change. We update content when regulatory, market, or rate conditions change materially. Each article displays its last update date so readers can judge the currency of the information.

If you believe any information on this site is incorrect, outdated, or misleading, please contact us at brad@mylifeinsurancecalc.com. We investigate all correction requests and respond to substantive factual challenges. We prefer to be corrected than to leave inaccurate information on the site.

Contact

For editorial questions, factual corrections, or sourcing inquiries, reach us at brad@mylifeinsurancecalc.com.

For privacy-related requests — including data access, deletion, or opt-out inquiries — please see the Privacy Policy.