How We Research
How TandemLeaf researches insurance, provider reviews and consumer guides using a primary-source-first process.
TandemLeaf uses a primary-source-first research process. We try to get as close as possible to the policy, regulator, provider or document that actually controls the answer.
Our source hierarchy
Official provider materials
Current product pages, coverage guides, FAQs, claims information and official company documentation.
Policy and sample-policy documents
Definitions, exclusions, endorsements, waiting periods, limits and claim conditions when documents are publicly available.
Regulators and government sources
State insurance departments, NAIC and relevant government material for consumer protections and regulatory context.
Reputable secondary sources
Used when they add context, data or perspective that cannot be obtained more directly.
How we handle provider reviews
We separate the facts a provider currently publishes from TandemLeaf’s analysis. We look at coverage structure, exclusions, deductibles, reimbursement or valuation, limits, waiting periods, claims workflow, state availability and practical cash-flow consequences.
How we handle comparisons
We try to compare equivalent configurations. Two pet insurance quotes, for example, should be brought as close as possible on deductible, reimbursement and annual limit before price is treated as meaningful.
How we use examples
Worked examples exist to explain mechanics. They are not quotes, guarantees or predictions. A claim can change because of eligibility, exclusions, policy definitions, deductible status, limits, documentation and state-specific terms.
How often information changes
Insurance is not static. Providers change products, prices and procedures. Regulators update requirements. Readers should confirm current terms before buying, renewing, switching or relying on coverage for a claim.
If a TandemLeaf article and your issued policy differ, the issued policy controls.
Our job is to help you know which questions to ask and which parts of the document deserve attention.