Our Editorial Process

Our mission is to simplify life insurance, making it accessible and understandable for everyone. We believe in being transparent and straightforward. That means offering you clear choices with no hidden fees, no confusing jargon, and no strings attached.

When you think about your financial future, we want you to feel secure. Secure in the knowledge that you can protect your loved ones and achieve your life goals, no matter where you’re starting out.

But here’s the thing. Understanding life insurance can be overwhelming. The industry is filled with confusing terms, misleading premiums and complex policies that can make choosing the right coverage unnecessarily complicated.

That’s where we come in. At the heart of our agency is a commitment to trust and clarity.

Our platform offers real-time pricing and the ability to compare multiple insurance companies in one place. No more wasting your precious time with nonsense jargon. You have access to a detailed breakdown of companies, premiums and more.

In fact we strip away the complexities of life insurance, giving you a clear and unbiased view. Our goal is to equip you with all the information you need to make confident, informed decisions. From pricing transparency to in-depth policy analysis, we’re your trusted source for comprehensive life insurance guidance.

To achieve our goal of helping you find the best life insurance options, we stand by these core principles:

1. Transparency and Accessibility: All of our content is made available for free. Period. This includes comprehensive reviews of life insurance policies and companies, as well as clear, jargon-free advice on how to navigate your life insurance decisions.
2. The One Rule: We firmly believe in One Rule. If we wouldn’t recommend a policy to a family member, we wouldn’t recommend it to you. Our commitment is to provide honest, unbiased information that you can trust.

By adhering to these principles, we aim to make life insurance simple, understandable, and accessible.

At Active Mutual, we are committed to providing the highest quality life insurance content—created by real people, for you. 

Our goal is to deliver fact-based life insurance information to everyone, regardless of race, gender identity, sexual orientation, age, religion, culture, and ability. We strive to create content that reflects a wide range of backgrounds and experiences. We understand that navigating life insurance can be vastly different for each individual, and we ensure that all experiences are represented in our content.

We address disparities in life insurance accessibility and understanding among different populations, ensuring that everyone receives the information they need to make informed decisions. By embracing diverse voices, we aim to provide a comprehensive and inclusive perspective on life insurance, making it accessible and relevant to all.

Each piece of content is meticulously reviewed by our team of highly skilled editors who possess extensive experience in life insurance journalism. Our content and our editors are not influenced by life insurance companies, commissions or sponsors. Nothing goes on our site unless it’s accurate and helpful, addressing the topic at hand in plain, straightforward language.

Let’s clear up a common myth. You don’t pay a single penny more for using our service. That’s right—no extra fees, no hidden costs. At Active Mutual, we’re an independent life insurance agency working with a variety of top insurance companies. In fact when you buy a policy through us, the insurance company pays us a commission.

Here’s why. The reality is that most life insurance companies choose to offer their products through licensed agents and agencies. Simply put, insurance rates are regulated and locked in by each state’s Department of Insurance.

This means that whether you buy through us or directly from the insurer, the rates are identical. However, choosing Active Mutual means choosing quality, convenience, and exceptional service.

We put your needs first. Here’s how:

• Personalized Guidance: We recommend life insurance products that we’d suggest to our own family members, recognizing that everyone’s needs are different.
• Individual Focus: Doing right by you is more important than making a sale. We prioritize long-term relationships over immediate profits, ensuring you get the life insurance that truly fits your situation.

Fact Checking

We rely on a team of qualified, experienced fact-checkers to uphold our editorial standards. These experts meticulously verify our content for accuracy, ensuring you get reliable and trustworthy information. Our fact-checkers use primary references such as government publications, industry reports, and academic sources to confirm that all facts are relevant and backed by up-to-date, credible data. This rigorous process ensures that our life insurance advice and insights are both accurate and dependable.

Medically Expert-Verified Life Insurance Information

We understand that life insurance can involve complex medical terms and concepts. To ensure the highest accuracy, our content is reviewed by a team of board-certified physicians and medical professionals. These experts meticulously check each piece for medical accuracy, ensuring it is both current and relevant.
When it goes live on our site, you’ll see ‘Medically reviewed by’ along with their name right under the headline. This way you know an expert in that field has approved it.

Our editors and fact-checkers meticulously verify facts, claims, statistics, and recommendations in our content by reviewing industry reports, government websites, and reputable organizations. When we’re confident in the accuracy of the information, we include a link or citation in the article. This transparency lets you see where the data comes from, ensuring you can trust the original source.

Life insurance information is constantly evolving, and maintaining content integrity is crucial to us. That’s why we prioritize regularly reviewing and updating our content. We ensure that it’s up-to-date, addresses the questions you’re asking, and meets the latest industry standards. This commitment helps you make informed decisions with the most current and accurate information available.