Sources and References

Last updated: March 07, 2026

Policentra’s content is grounded in authoritative primary sources. This page lists the key organizations and databases our editorial team relies on.

Federal Regulatory Sources

• Centers for Medicare and Medicaid Services (CMS) — cms.gov
• U.S. Department of Labor (DOL) — dol.gov
• Federal Insurance Office, U.S. Treasury — treasury.gov
• National Flood Insurance Program (NFIP), FEMA — floodsmart.gov

Industry Organizations

• NAIC — naic.org
• Insurance Information Institute (III) — iii.org
• The Institutes — theinstitutes.org
• The American College of Financial Services — theamericancollege.edu

State Regulatory Sources

We reference individual state DOIs. Directory: NAIC state department map.

Consumer Satisfaction Data

• NAIC Complaint Index — Standardized carrier complaint ratios
• J.D. Power Insurance Studies — Annual consumer satisfaction surveys
• AM Best — Financial strength ratings