Editorial Policy

This policy describes how the editorial team at Mortgage Protection Company produces, verifies, updates, and corrects the content published on mortgageprotectioncompany.com. It also describes how we handle the obvious conflict of interest that exists in any site that earns commissions from the industry it covers.

If anything in this policy is unclear, or if you believe we've violated it, email editorial@mortgageprotectioncompany.com.

How we research

Our research order of operations is deliberately boring:

1. Primary sources first. For any factual claim about the insurance industry, consumer behavior, cost, or regulation, our first stop is a primary source. In practice that means LIMRA, the American Council of Life Insurers (ACLI), the NAIC, the Insurance Information Institute (III), the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission, individual state departments of insurance, and statutory or regulatory text directly.
2. Carrier documents second. Product brochures, sample policies, outlines of coverage, and carrier rate filings when available are the authoritative source for what a specific product actually does. We prefer carrier-published PDFs and policy specimens over third-party summaries.
3. Expert interviews where useful. Where a claim benefits from practitioner context — for example, underwriting nuance or how a specific rider tends to be marketed — we quote licensed agents, underwriters, or consumer advocates on the record and attribute clearly.
4. Reputable secondary sources as support. Outlets like Kaiser Family Foundation, Pew, Urban Institute, academic journals, and reputable financial press are used to support, not replace, primary sources.

We do not cite other content sites as authoritative. If a statistic appears to originate from a competitor site and we can't trace it to a primary source, we either track down the primary source or we don't publish the claim.

How we verify claims

Every factual claim in a published article is expected to have a cited primary or authoritative source linked inline. Before publication, a second editorial reviewer checks each external-facing claim against the cited source to confirm the source actually says what the article says it says.

When a statistic has a date attached (e.g., "as of 2025"), that date is included in the article text. When a rule is state-specific, we say which state and link to that state's department of insurance.

We don't round numbers silently. If LIMRA says 52% of U.S. adults own life insurance, we write 52%, not "most."

How we handle conflicts of interest

Mortgage Protection Company earns a commission when a consumer we match with a licensed insurance partner purchases a policy through that partner. The full description is on How We Make Money. This creates a real conflict of interest, and it would be dishonest to pretend otherwise. Here is how we address it in editorial.

Editorial decisions are separated from commission structure. Decisions about which carriers and products to cover, how to compare them, and what to say about them are made by the editorial team based on reader relevance and quality, not based on which partner or carrier pays the highest commission.

We don't sell ranking placement. We do not accept payment — commission-based or otherwise — in exchange for listing a product as "best," "top pick," or any equivalent. If we ever launch a ranking or comparison feature, it will disclose the methodology in the body of the article, and the ranking logic will be applied consistently to all carriers in scope.

Sponsored content is labeled. We do not currently run sponsored content. If we ever do, it will be visibly labeled as sponsored at the top of the article and excluded from any ranking or comparison piece.

We are willing to recommend against products. If a product is bad for consumers in a given situation, we say so, regardless of whether the carrier is in our partner network.

How often we update

Every published article is reviewed by the editorial team at least once per calendar quarter. Each review checks:

• Are cited statistics still current? If not, update or remove.
• Are cited regulations still in effect? If not, update.
• Are linked sources still live? If not, replace.
• Is the guidance still accurate given current market conditions? If not, revise.

The updatedAt date on each article reflects the most recent substantive editorial review. We do not bump updatedAt for cosmetic changes.

Our corrections policy

If we make a factual error, we correct it. Publicly.

When a correction is made, we:

1. Update the affected article with the correct information.
2. Add a dated correction notice at the bottom of the article describing what was wrong and what was changed.
3. Log the correction in our public Corrections log with a link to the affected article.

We do not quietly edit articles to remove errors without disclosure. If you believe an article contains an error, email editorial@mortgageprotectioncompany.com with the URL, the specific claim you believe is wrong, and a source supporting the correction. We respond within two business days and publish or decline the correction within five business days of verifying.

Who our editorial team is

Our editorial team is small. It is composed of experienced writers and researchers who specialize in personal finance and insurance education, working under editorial direction from the company's founders, Eric Vevang and Michael McIntyre. Neither founder is a licensed insurance agent, and the editorial team does not position itself as a source of individualized insurance advice.

When regulated advice is called for — what specific coverage amount a reader should carry, whether a particular rider fits their situation, how a policy interacts with their specific estate or tax situation — we direct readers to licensed insurance professionals through our partner network or to other licensed professionals of the reader's choosing, rather than providing that advice ourselves.

Contact

Editorial questions, source disputes, or correction requests: editorial@mortgageprotectioncompany.com

We take editorial correspondence seriously and we respond.