Editorial team · ClearValue Insurance
ClearValue Editorial Team
Publishing on insurance topics since 2024
The ClearValue Editorial Team is responsible for the research, fact-checking, and review behind every insurance guide and answer published on ClearValue Insurance. We are an independent education and comparison publisher — not a licensed insurance agent, broker, producer, or carrier — and we do not sell, bind, issue, or advise on policies.
Every premium, limit, and coverage figure we cite comes from a named, dated public source — the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute (III), a state department of insurance, the Federal Reserve, or the Bureau of Labor Statistics — and describes the market, not a quote for you. We explain how coverage works and compare options against a published standard so you can see your choices clearly, then take the decision to a licensed agent or carrier. Coverage, eligibility, and pricing are set solely by the insurer.
When a guide or answer carries a "reviewed" date, that date reflects the most recent editorial review by the team. How we earn is disclosed on the page where it applies and never influences how we explain or compare coverage.