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Comment guidelines

What kind of comments are we looking for?

We are interested in articulate, well-informed remarks that are relevant to the article. We welcome your advice, your criticism and your unique insights into the issues of the day. We do not tolerate personal attacks, obscenity, vulgarity, profanity (including expletives and letters followed by dashes), commercial promotion, impersonations and incoherence.

Why do we moderate readers' comments?

Our goal is to provide substantive commentary for a general readership. By screening comments, we have created a space where readers can exchange intelligent and informed commentary that enhances the quality of our information. While most comments will be posted if they are on-topic and not abusive, moderating decisions are subjective. We will make them as carefully and consistently as we can. Because of the volume of reader comments, we cannot review individual moderation decisions with readers and generally cannot alter a comment once it is posted.

How should you write a comment?

The first time you write a comment, you will be asked to complete a quick registration process. It should take you no more than one minute. Your display name will be displayed publicly with your comment on Insurance Monitor. If you are writing a comment, please be thoughtful, civil and articulate. We only accept comments written in English; foreign language comments will be rejected.

Why are comments closed on an article?

The vast majority of comments are reviewed by a human moderator. Because of this, the number of comments that we are capable of moderating each day is limited. Typically, comment threads are open for 48 hours. After that point, we move to newer news. It is unfortunate that some of these discussions do not have the chance to further evolve, but the benefit is that we are able to host a civil comments section.

Why do you have to register?

We ask you to complete the simple Insurance Monitor registration process to ensure that you are a "real" person and that you accept our terms and conditions. The registration process serves to facilitate the development of our online community, and ensure that members take responsibility for their writings.

When and where will your comment be displayed?

Since comments are moderated, they do not appear on the site until they have been approved. Comments are typically posted faster during business hours. Moderation can be less frequent in the evening and on weekends. Comments are displayed directly below articles.

Do we edit comments?

No. Comments are either approved or rejected. We reserve the right to edit a comment that is quoted or excerpted on or on our affiliate blogs. In those cases, we may fix spelling, grammar or punctuation.

Should you use your real name when making a comment?

Using your real name is required — we have found that people who use their names carry on more engaging, respectful conversations. Once your comment is published, it can be found in search results on websites like Google and Yahoo. An Insurance Monitor representative may occasionally use the email address you have listed in the My Account area for a follow-up interview. For more information, please see our Privacy Policy.

What about criticism of Insurance Monitor?

We welcome strong opinions and criticism of our work, and do not hesitate to approve critical comments. However, personal attacks against our staff will not be permitted, and any criticism should relate to the article in question. Generally, we will not allow comments to become bogged down with discussions of our moderation policies, and we will moderate accordingly.

Why didn't you get an confirmation email?

The confirmation email is sent automatically, but it may take a little while before it arrives in your Inbox. Also, you may want to make sure that we have your current email address associated with your registration. To check this, please go to the My Account area. If the confirmation email was sent to an outdated address, or you did not receive it after 24 hours, please contact us. If you think you are having problems receiving emails from, please contact us.

What if I see an error in an article? What is the best way to suggest a correction?

We appreciate it when readers and people quoted in articles point out errors of fact or emphasis and will investigate all assertions. These suggestions should be sent by email. To avoid distracting other readers, we will not publish comments that suggest a correction. Instead, corrections will be made to the article.

Readers dissatisfied with a response or concerned about the integrity of our content may reach the CEO at

What if I have more questions?

If you have additional questions regarding comments on, please contact us.

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