Editorial Policy

Last updated: April 2026

Our Standards

Mozdex provides life insurance education and tools for consumers, with a focus on high-risk and specialized coverage. Every piece of content on this site is held to the following standards:

• Written by licensed professionals. Our content is created by insurance professionals with hands-on underwriting and placement experience, not freelance writers unfamiliar with the industry.
• Based on real underwriting knowledge. When we discuss carrier guidelines, rate classifications, or approval criteria, it reflects actual experience placing policies — not generic summaries of publicly available information.
• Regularly reviewed and updated. Insurance carrier guidelines change. We review our content periodically and update articles when underwriting criteria, rates, or regulations change.

How We Create Content

Each article on Mozdex follows this process:

1. Topic identification — We identify questions and coverage challenges that real consumers face, particularly in high-risk categories where reliable information is scarce.
2. Research and drafting — Content is drafted using our knowledge of carrier underwriting guidelines, industry data, and consumer needs.
3. Review — Articles are reviewed for accuracy against current carrier guidelines before publication.
4. Ongoing updates — Published articles are updated when carrier guidelines change or when new information becomes available. Updated articles display a "last updated" date.

How We Make Money

Mozdex earns revenue through insurance lead generation. Some pages on our site include quote request forms powered by third-party platforms. When you request a quote, you may be connected with licensed insurance agents or carriers who can provide coverage.

This business model does not influence our editorial content. Our articles recommend approaching specific carriers based on their actual underwriting guidelines, not on any commercial relationship.

What We Are Not

Mozdex content is educational. It is not a substitute for personalized advice from a licensed insurance professional who understands your specific situation. Coverage availability, rates, and underwriting decisions vary by carrier and individual circumstances.

Contact

If you find information on our site that appears outdated or inaccurate, please let us know. We take corrections seriously and will review and update content promptly.