Reviewed 12 October 2026 · Written and edited by M. Maciel
About the author
Who writes this site
CoverChecked is written and edited by M. Maciel.
Credentials
M. Maciel is an independent writer and the editor of CoverChecked. The site covers life insurance and credit cards for US readers, and exists because most explanations of these products are written for people who already understand them.
The editorial standard governing this site is singular: no figure is published without a named public source. The data presented here comes from the Federal Reserve, the CFPB, the NAIC and LIMRA, each accompanied by the date on which it was checked. Where an answer varies by state or by year, the page declares it in the statement itself rather than generalising. Every page carries its reviewed-on date, and corrections are made to the page rather than issued quietly.
Why the author is named
Finance content is held to a higher standard of accountability than most topics. A named author with a review date lets a reader judge the source.
Corrections policy
Pages are corrected rather than quietly edited. Each corrected page shows its new reviewed-on date.