Editorial standards

Who writes here

Pages are written and checked by the North Life Group editorial team. We do not put individual bylines or headshots on pages. If a licensed person reviews a page and agrees to be named, a reviewed by line will say so, with the state where that person is licensed.

What counts as a source

Every specific fact on a page, such as a fee, a rate, a pass rate, a rule or a date, comes from a source we opened, and the source is listed at the bottom of the page with its date. If we cannot confirm a fact, we leave it out rather than guess.

• We use public, consumer-facing pages and public trade publications.
• We never use material marked for agents or producers only, not for public distribution, or for financial professional use. That rules out carrier rate sheets and broker spec sheets, even when one reaches us.
• When a figure comes from an official dataset, we name the publication that reported it and the dataset behind it.
• Many agent-facing sources sell something, such as leads, training or contracts. We say so when a range comes from a seller, because sellers have reasons to quote high numbers.

Dates on every page

Each library page shows two dates. First published is when the page went live. Last checked is the most recent day we reopened its sources and confirmed the figures. Tables carry their own checked date and source line, because fees, prices and pass rates change on their own schedule.

Pay and income figures

This is a recruiting site, so this rule matters most. Any pay, salary or commission figure on this site is industry data from a named outside source, with its date, and it is labeled that way. None of it is what this agency pays, and none of it is a promise of what anyone will earn. Our own contracting terms are shared on a call, never as a headline number.

Our conflict of interest

North Life Group contracts agents. If you contract with us, the agency is paid an override on the business you write. That gives us a reason to want you to sign, so every library page carries a disclosure near the top and links to how we are paid. When a page compares uplines, contracts or lead sellers, we hold ourselves to the same checklist we give readers.

Calculators and examples

Calculators show their formula and every assumption beside the result, and every default has a source or is marked as an example to replace. Worked examples are labeled as examples. Diagrams that show money moving use placeholder levels unless a cited source gives the figure.

Things we will not publish

• Claims that an agency holds an appointment from, or represents, a named insurer, unless that appointment is confirmed in writing.
• Income promises, earnings screenshots or testimonials about money made.
• License numbers for the agency or for any agent. They are shared on request and can be confirmed with the state.
• Copy that imitates an insurer, a regulator or a government notice.

Corrections

If a figure is wrong or out of date, call us at (305) 699-5857 and tell us the page and the line. We recheck the source, fix the page and move its last checked date.