Terms in plain language
Three rules for using this site
- Use the guides for general education, not personal advice.
- Read the real application and policy before you act.
- Answer every insurance question honestly and fully.
Educational use only
No personal advice or insurance offer
Our content is general information. It is not a quote, offer, guarantee, medical opinion, legal advice or recommendation to buy a product. Insurers and regulators make their own decisions under local rules. Start with how underwriting works if the process is new to you.
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Read and answer the actual questions
You are responsible for reading each question and answering it truthfully. Never leave out a fact because a guide says it may affect the review. Our methodology explains why examples are not predictions.
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External rules can change
We work to keep content accurate, but an insurer's practice or an outside source can change. You can report an outdated statement. Our privacy page explains how the site and its tools handle data.