We model the decision, not the verdict
Observable facts come first
No public tool can reproduce every insurer's current manual. Our plain-language underwriting guide explains the process. We then map timing, control, complications, frequency, duties, location and evidence. We do not claim to know a final decision.
General practice versus a legal requirement
We label the level of authority
A statement described with words such as “often,” “may” or “commonly” is a summary of general industry practice, not a legal command. We call something a legal requirement only when a cited statute, regulation or regulator source supports it and the relevant jurisdiction is clear. NAIC model laws and regulations are useful national reference points, but they do not automatically become law; each state decides whether and how to adopt them. Readers should check the current policy and state source before treating a general statement as a right or duty.
For state-specific help, use the state insurance department guidance. For the status of model language, see the NAIC explanation of how model laws and regulations work.
Layers within every guide
Answer, evidence, action and limits
Each guide starts with a direct answer. Topic-specific factors and questions come next. A table, checklist or timeline helps the reader act. Sources and clear limits close the page. The type 2 diabetes guide shows this evidence-first approach.
Original value test
New information, not a swapped keyword
A proposed page must add a useful framework, checklist, comparison, worked example or decision boundary that its topic group does not already cover. We reject or merge pages that would only swap one keyword for another.
Quality gate
Checks before indexing
Before publication, we check the title, main heading, internal links, heading order and sources. We also check for unsupported numbers, overclaims, copied structure, image origin and access barriers. The readiness checker follows the same rule: organize the facts without making a false prediction.
Browse the life-insurance research library to see these standards applied across medical, occupation, hobby and travel topics.