Fact-Checking Policy

Accuracy is the foundation of trust at MarklyInsurance. This Fact-Checking Policy explains how we verify the information in our guides and calculators before it is published, and how we keep it accurate over time. Because insurance is a Your Money, Your Life topic, we hold our content to a higher standard than general-interest publishing.

Who checks the facts

Every article and calculator is reviewed by Sarah Thompson, our lead analyst and a Certified Insurance Counselor (CIC) with more than 14 years of experience in insurance planning and risk management. Before publication, she confirms that definitions, regulatory references, eligibility rules, cost ranges, and methodology reflect current US market conditions and standards. No content is published until this review is complete.

Our verification process

• We confirm insurance definitions against current industry and regulatory usage, not outdated or vendor-specific interpretations.
• We verify eligibility rules, enrollment windows, and penalty structures against current federal and state standards, including ACA, Medicare, Medicaid, and SR-22 requirements where relevant.
• We base cost ranges and premium multipliers on current industry averages and clearly label all figures as estimates, not quotes.
• We document the assumptions and formulas behind each calculator so the methodology is transparent and auditable.
• We cross-check any external data against reputable primary or industry sources before referencing it.

Sources we rely on

Our content draws on authoritative public and industry sources, including the US Department of Health and Human Services and Healthcare.gov for ACA marketplace rules, the Centers for Medicare & Medicaid Services for Medicare and Medicaid, the Federal Emergency Management Agency for flood insurance, the Social Security Administration for disability benefits, the National Flood Insurance Program, and industry organizations such as the National Alliance for Insurance Education & Research and LIMRA. Where specific figures are cited, we favor the most recent publicly available data.

Distinguishing fact from estimate

Insurance costs vary by state, insurer, age, health, and dozens of other factors, so most numbers in our guides are representative ranges rather than exact quotes. We label estimates clearly and explain the assumptions behind them. Our calculators apply documented formulas to inputs you provide; the outputs are tailored estimates for planning, not binding quotes from any insurer.

Regular review schedule

Every guide and calculator is reviewed on a recurring schedule — at least annually for core content and promptly when a relevant regulation, product, or market condition changes. Each article displays its last-updated date so you can judge its currency. Material regulatory or market changes trigger an immediate review of the affected content.

Corrections and updates

When we discover an inaccuracy or a reader reports one, we investigate immediately. Confirmed errors are corrected and the article's updated date is refreshed. For significant corrections, we add a note describing what changed. We welcome reports of potential errors at support@insurance.automarkly.com and respond to every substantive report.

What we do not do

We do not accept payment to publish, alter, or suppress content, and advertisers have no editorial input. We do not present sponsored material as independent analysis. We do not publish content we cannot verify, and we do not make individualized recommendations — our guidance is educational and general, and we encourage you to confirm specifics with a licensed professional.