About the Author & Editorial Standards

Christian Fiesco founded PolicyDecoded to do one thing well: turn the dense, jargon-filled world of U.S. insurance into clear, plain-English guidance that ordinary people can actually use.

Christian is not a licensed insurance agent or broker — and that is deliberate. PolicyDecoded sells no policies and answers to no sales quota, so there is never a reason to steer you toward one product over another. What Christian brings is the craft of building a careful information resource: every guide is researched from primary, verifiable sources — the Insurance Information Institute, the NAIC, the IRS, Medicare.gov, HealthCare.gov, and state regulators — and then translated into language a normal person can follow.

As a digital professional, Christian holds eight Google certifications in digital marketing, web and app development, and social media, earned through the Posible digital-skills training program — the skill set he uses to build, structure, and maintain PolicyDecoded and its editorial process. When a topic turns on your personal financial situation, the site points you to the official source and recommends speaking with a licensed professional.

How every guide is researched

Each article is built from primary, verifiable sources, including:

• The Insurance Information Institute (III) and the NAIC (National Association of Insurance Commissioners)
• Government resources such as HealthCare.gov, Medicare.gov, the IRS, and the SSA
• State Departments of Insurance, public rate filings, and official policy documents
• Industry reports, claims-satisfaction studies, and financial-strength ratings

How content is fact-checked

Before a guide is published, every figure, rule, and coverage detail is checked against current, authoritative references — not other blogs. When a topic involves numbers (premiums, limits, deductibles, regulations), each claim is traced back to a primary source, and those sources are linked at the bottom of the article so you can verify them yourself.

How often content is updated

Insurance changes — rates move, regulations are revised, and products are discontinued. Guides are revisited and updated regularly, and every article shows its last-updated date so you always know how current the information is. Spotted something out of date? Tell us and it will be reviewed.

Editorial independence

PolicyDecoded does not sell insurance and is not tied to any single carrier. Recommendations are based solely on research — never on payment. The site does not accept compensation from insurance companies in exchange for favorable coverage, and advertiser or affiliate relationships never influence its ratings, rankings, or conclusions.

How the site makes money

PolicyDecoded is supported by advertising (including Google AdSense) and by affiliate partnerships. If you use a comparison or quote link and complete an action, the site may earn a commission at no extra cost to you. This is what keeps the guides free — and it never changes what they recommend. You can read more on the about page.

Important disclaimer

Christian Fiesco is a digital professional and the site’s editor, not a licensed insurance agent, broker, or financial advisor. Everything on PolicyDecoded is general education, not personalized insurance, legal, tax, or financial advice. Always confirm details with a licensed professional or the insurer before making a decision.

Have a question or correction? Contact Christian and the PolicyDecoded team.