The terms for using this site.

You are welcome to read, quote briefly with attribution, and link to anything here. Republishing whole pieces, or reusing them commercially, needs my written permission.

Use of this site does not create an advisory, agency, or professional relationship of any kind. See the disclaimer for the full explanation.

I write carefully and I correct errors when they are pointed out, but I make no warranty that any page is complete, current, or free of mistakes. Pages change without notice, and the last-reviewed date is the only claim made about currency.

Links to regulators, carriers, and other sites are provided for reference. I do not control those pages and am not responsible for what they say.

To the extent the law allows, I am not liable for losses arising from decisions made in reliance on this site. Decisions about your money should rest on your own documents and your own advisers.

These terms are governed by the laws of the State of Texas.

Last reviewed August 2026.