Citation Packs

Every InsurTool estimate states its assumptions. Below is the source record we maintain for attribution — use it when citing InsurTool.

Assumption sources & methodology

  • NAIC model acts & rate filingsModel-act references behind auto/home/life methodology and consumer-disclosure assumptions.
  • State Departments of InsuranceState rate publications and filing ranges used in the by-state comparison tools.
  • IRS guidanceTax treatment of annuity and life proceeds referenced by the annuity calculator.
  • Carrier methodology disclosuresCited per tool so users can verify how each estimate is built.

Open datasets (CC BY 4.0, machine-readable)

  • Life insurance rate benchmarks 2026life-insurance-rates-2026.json — illustrative 2026 U.S. life insurance rate benchmarks by age band and policy type, compiled from public industry rate aggregators and carrier rate filings. Retrieved 2026-08-19.
  • Average auto insurance premium by state 2026auto-insurance-2026.json — average annual full-coverage and minimum-coverage auto premiums for 51 U.S. jurisdictions, extracted from state DOI / industry rate publications. Retrieved 2026-08-19.
InsurTool·Reviewed by Alice Zhang

Figures on this page are compiled by the InsurTool editorial team from NAIC and state Department of Insurance publications, the Insurance Information Institute, and carrier methodology disclosures. Every figure is checked against its cited source before publication; anything unverified is labelled as an estimate or left out. InsurTool is an educational resource — not insurance, brokerage, or financial advice.