Every statistic Carrier Archive publishes comes from one measured, dated test. Measured 2026-08-08; this page updated 2026-10-26.
The rules were frozen in writing before the test, and the test ran once, on carriers our development never touched.
These are observed associations measured on historical data, not predictions about any individual carrier. An indicator on a carrier's file is a documented record pattern with a measured historical rate — it is not an accusation, and most flagged carriers did not fail. We publish the measured rates with their confidence interval and nothing stronger.
Measurement completed 2026-08-08 under a frozen, signed protocol. Federal files checked daily. Questions about the data itself: see the FAQ or Legal & Insurance.