Our Sources
These are the main official and industry sources we use when researching pages. Where a page relies on a specific figure or rule, we aim to name its source on that page. Our calculators give simplified estimates; they are not actuarial models or quotes.
1. Regulatory & Statutory Authorities
Our baseline policy definitions and regulatory consumer safeguards are derived directly from the primary statutory bodies governing insurance across the United States:
- National Association of Insurance Commissioners (NAIC): Model insurance laws, Financial Condition Examiners Handbook, and annual Consumer Complaint Index datasets.
- State Insurance Commissioners & Departments: Statutory rate filing approvals, standardized policy form mandates, and statutory minimum liability limits for all 50 states.
- Federal Insurance Office (FIO) & Consumer Financial Protection Bureau (CFPB): Market conduct reviews, underinsurance vulnerability reports, and credit-based scoring studies.
- Department of Health and Human Services (HHS): Affordable Care Act (ACA) benchmark plan rules, essential health benefits criteria, and out-of-pocket maximum caps.
2. Actuarial & Professional Standards Bodies
Professional bodies whose published tables and reports we refer to when setting simplified calculator assumptions:
- Society of Actuaries (SOA): Commissioners Standard Ordinary (CSO) mortality tables, longevity projections, and disability incidence models.
- Casualty Actuarial Society (CAS): Property damage severity distributions, auto collision loss costs, and combined ratio benchmarks.
- American Academy of Actuaries (AAA): Actuarial Standards of Practice (ASOPs), risk classification principles, and capital adequacy guidelines.
3. Economic & Demographic Datasets
To ensure calculators accurately reflect current economic conditions, we integrate official public data sources:
- U.S. Bureau of Labor Statistics (BLS): Consumer Price Index (CPI-U), medical care component inflation, and vehicle repair cost indices.
- Centers for Disease Control and Prevention (CDC / NCHS): National Vital Statistics Reports and chronic disease prevalence studies.
- Insurance Information Institute (III): Industry-wide catastrophe loss distributions and homeowner claim frequency averages.
4. Sourcing & Methodology Inquiries
If you think a source is missing, outdated or misused, please tell us:
Insurance Bhaiya Editorial Team
Email for sourcing citations and methodology feedback:
insurancebhaiya@gmail.com