Editorial Policy
Family Protection Gap publishes educational explanations and browser-based planning tools. Content is not a personalized insurance recommendation, quote, legal opinion, tax analysis, or promise of results.
Sources and fact checking
When an article relies on external facts, editors should prioritize official regulators and public agencies, including state insurance departments, the NAIC, IRS, Social Security Administration, U.S. Department of Labor, and CFPB as appropriate to the question. Sources should be linked near the relevant discussion, paraphrased accurately, and checked for scope and date. If no reliable source is available, the page should describe the statement as an assumption or omit it.
Calculation transparency
Each original calculator formula and its limitations are published on the methodology page or on the associated tool page. Examples are labeled illustrative and should reconcile with the displayed formulas. Material code or formula changes require retesting the documented cases.
Review and corrections
The editorial owner is Terence S. Phillips. New or revised content may use AI-assisted drafting. The site owner is responsible for checking accuracy, tone, citations, and alignment with the tool before live publication. Pages display an update date; that date indicates an editorial update, not independent professional certification. Content generated for this upgrade still requires the owner’s review before live publication. Readers can report errors through the contact pathway. Confirmed corrections should be made promptly and the update date refreshed.
Commercial relationships and advertising
Some pages may contain clearly labeled third-party promotional links or advertising. A link does not mean Family Protection Gap independently validates an advertiser's claims or products. Advertising and optional assistance must remain distinct from calculator results and educational navigation. No user should be asked to click an ad or treat it as an endorsement.
Authorship and professional background
Terence S. Phillips operates the site and has publicly disclosed insurance and financial-services experience. The site's credentials are not a substitute for confirming an individual's current license, state authority, or suitability for a particular question. Content is educational and is not represented as third-party-reviewed.
AI-assisted content
AI tools may assist with drafting, editing, structure, or code. The site owner remains responsible for deciding whether material is useful and accurate. AI-assisted text should not invent sources, statistics, legal rules, quotes, testimonials, or personal case histories. Published authorship and update labels describe editorial accountability, not a claim that software or an independent expert certified the content.