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.