Trust Framework
Data Sources
The Institute's research and methodologies rely on a documented set of primary and secondary data sources. The active set is listed below; vintage is tracked on each published statistic.
Government and regulatory
Primary government and regulatory sources are preferred for population-wide statistics, claims data, and policy data.
- U.S. Census Bureau — household demographics and income
- Bureau of Labor Statistics (BLS) — labor and consumer expenditure data
- NAIC — insurance regulatory filings, claims data, and market reports
- FEMA / NFIP — disaster and flood claims data
- Centers for Medicare & Medicaid Services (CMS) — healthcare and Medicare data
- Federal Reserve — household debt and net worth data (Z.1, SCF)
Industry and actuarial
Industry and actuarial bodies provide standardized data and assumptions used in scoring and forecasting.
- Insurance Information Institute (III) — industry summary data
- Society of Actuaries (SOA) — mortality and longevity tables
- AM Best — carrier ratings and reserves
- LIMRA — life and disability industry research
- ISO — claims and rating data
Proprietary
Proprietary data is generated by the platform — anonymized engine inputs, scoring distributions, and methodology outputs. Proprietary statistics are labeled as such in publication.
Vintage and review
Every published statistic carries a vintage (year-of-publication). Sources are reviewed annually for currency. Statistics older than 5 years are flagged for re-validation or removal.
Limitations
Public data lags real-world conditions by 6–24 months. Forecasts and forward-looking statements are labeled accordingly. Where regional or state-level data is sparse, the limitation is disclosed on the affected page.