Editorial Team & Review Board
Our mission: independent, research-backed insurance guidance — no sales pressure, no carrier relationships.
The Insurance Ledger is an independent publisher of plain-English insurance guides. Every article you read on this site is written by a named analyst, checked against primary sources, and reviewed by a second editor before publication. We are not owned by, affiliated with, or compensated by any insurance carrier.
Who We Are
Writes and researches all Life, Health, Auto, Home, and Business insurance guides. Specializes in translating policy terms and state regulatory rules into decisions readers can act on.
Editorial Review Board
Every guide is reviewed before publication by a second editor on our review board. The reviewer verifies factual claims against current primary sources, checks that regulatory figures (deductible minimums, contribution limits, state coverage rules) are current, and reads the piece from the perspective of a reader with no industry background. Articles display their review status directly beneath the headline.
- Health & Life content — reviewed for accuracy against IRS, HHS, and state insurance department publications
- Auto & Home content — reviewed against state minimum coverage requirements and standard policy forms
- Business & specialty content — reviewed for correct coverage descriptions and exclusion language
How We Make Money — And Why It Doesn't Matter
The Insurance Ledger is supported by display advertising. Advertising has no influence over which topics we cover or the conclusions we reach. We do not accept payment from insurers for favorable coverage, we do not publish sponsored content disguised as editorial guides, and we do not sell insurance or capture commissions. Full details are in our Editorial Policy.
Corrections & Accountability
We log every substantive correction publicly on our Corrections page — including what changed, when, and why. If you spot an error in any guide, tell us via the contact page; we investigate within five business days.