Editorial Standards

Methodology & AI disclosure

How LegacyCore writes content, where AI assists, where humans review, and how each article is verified.

Authorship

Bylined to a licensed producer

Every editorial piece is bylined to a licensed insurance producer. The byline links to a bio page with verifiable NPN and state license numbers. Articles without verifiable authorship are not published.

AI Assists Where

Where AI is in the loop

  • Research synthesis (search + summarization of public sources)
  • First-draft generation (subsequently edited by the bylined author)
  • Humanizer pass to remove AI tells and tighten prose
  • Schema generation (JSON-LD per page type)
Humans Always

Where humans review

  • Final editorial pass before publish
  • Compliance review for any claim about specific carriers, rates, or products
  • Last-reviewed date stamp on every published article
Freshness

Last-reviewed dates

Every article includes a last-reviewed date stamp. If you see an article more than 12 months old without a re-review, treat the specific carrier, rate, or compliance details as potentially stale and verify with our team.

Errata

Corrections policy

Email corrections@legacycore.io. We publish a correction note inline on the affected article and update the last-reviewed date.

Last reviewed: 2026-09-29

Figures

How we measure our figures

The numbers on our home page describe LegacyCore's own book. They are not customer results. This is how each one is counted.

Applications tracked
Every application recorded in LegacyCore's own book, whatever its status.
Annualized in-force premium
Monthly premium on in-force policies multiplied by 12. A policy is in force when its status reads issued, active, paid, live or in force.
Policy-count persistency
Active policies divided by active plus dead policies. Dead means the status reads cancel, declin, lapse, not taken or withdrawn. Pending policies are left out until they resolve. It is a whole-book ratio, not a 13-month measure.

13-month persistency in the product

Inside the product, persistency cards measure the share of policies still paying at month 13, from payment records rather than from policy status. Each figure carries a confidence label. When payment history is thin, the card says the figure is likely understated instead of presenting it as a lapsing book. This measure is not quoted on this site.

Spot a stale fact or carrier detail? Email us.

corrections@legacycore.io