Our pages are general education, not personal advice. Policies, laws and prices differ by country, state and insurer, so always check your own policy wording and speak to a licensed professional before acting.
How we choose topics
We write about questions people actually search for and ask about insurance: what a policy covers, what it costs, how claims work and how two options differ. We aim for one clear page per question rather than several pages that say the same thing.
How we research
We base pages on primary and official sources wherever possible, such as government and state insurance department websites, regulators, insurers' own policy documents and published consumer guidance. Where a page relies on a specific figure or rule, we try to name the source on the page, and you can see the main sources we use on our sources page.
Prices and figures are estimates for a point in time. They change, and your own quote will depend on your circumstances.
How we write, including our use of AI
We use AI writing tools to help research, draft and organise pages. A person on our team reviews and edits each page before it is published, and the Insurance Bhaiya Editorial Team is responsible for everything we publish. We do not invent experts, credentials or reviews, and pages are credited to the team rather than to individual names.
Independence
No insurer, broker or advertiser can pay to be featured, ranked or reviewed favourably. The ads on the site are chosen by Google, not by us, and they do not affect what we write. See how we make money.
How we check facts
Before a page goes live, the reviewer checks its specific figures, coverage limits and legal rules against an official or primary source, such as a regulator, a government agency or an insurer’s own policy documents. A claim we cannot back up is taken out rather than left in. Where rules differ by state or country, we say so instead of giving one answer for everyone.
Every calculator explains its formula, assumptions and sources directly beneath the tool. Any number that is our own simplifying assumption rather than published data is labelled as ours, and the results are rough estimates, not quotes.
If you spot something wrong or out of date, email insurancebhaiya@gmail.com with the page link and what needs fixing. If we confirm the error, we correct the page and update its "last updated" date.