AI Disclosure Policy
Transparency about how we use artificial intelligence tools in content creation, research, and customer service—and the human oversight that ensures accuracy.
Our Core Commitment
All insurance advice, coverage recommendations, and factual claims published on this website are verified by licensed insurance agents before publication. AI tools may assist with research, organization, and drafting, but humans make final decisions about accuracy, completeness, and appropriateness.
How We Use AI Tools
Content Research & Organization
AI tools help us research carrier underwriting guidelines, policy forms, and regulatory changes. They organize information and identify patterns across multiple sources.
Human Oversight: Licensed agents verify all factual claims against authoritative sources before publication.
Content Drafting
AI tools may create initial drafts of educational content based on verified source materials. These drafts are always reviewed and revised by licensed agents.
Human Oversight: Agents rewrite, expand, or reject AI drafts based on accuracy and market experience.
Comparison Analysis
AI tools help analyze differences between carrier policy forms, underwriting guidelines, and coverage options. They identify patterns and create structured comparisons.
Human Oversight: Agents verify comparisons against current policy forms and add market-specific context.
Grammar & Clarity Improvements
AI tools suggest improvements to grammar, sentence structure, and readability. They help make complex insurance concepts more accessible.
Human Oversight: Agents review suggestions and ensure technical accuracy is maintained.
What AI Does NOT Do
Provide Insurance Advice
AI does not make coverage recommendations, underwriting decisions, or provide insurance advice. Only licensed agents provide advice tailored to your situation.
Publish Content Without Review
No AI-generated content is published without review by a licensed agent. All factual claims are verified against authoritative sources.
Handle Claims or Policy Changes
AI does not process claims, make policy changes, or handle sensitive customer information. Only licensed agents perform these functions.
Replace Human Judgment
AI tools assist human agents but never replace professional judgment, market experience, or client relationships.
Our Human Oversight Process
1. Licensed Agent Review
Every piece of content is reviewed by a licensed insurance agent with Alabama market experience. Agents verify factual claims, check coverage descriptions against policy forms, and ensure pricing estimates reflect current market conditions.
2. Source Verification
Agents verify all factual claims against authoritative sources: Alabama Department of Insurance bulletins, carrier policy forms, underwriting guidelines, and rate filings. Claims based on market experience are clearly labeled as such.
3. Final Approval
A licensed agent must approve all content before publication. If AI-generated content contains errors or lacks necessary context, agents revise or reject it.
Why We Use AI Tools
AI tools help us serve you better by:
- •Increasing content volume — We can publish more educational content to help you make informed decisions
- •Improving research efficiency — AI tools quickly analyze policy forms and underwriting guidelines across multiple carriers
- •Enhancing clarity — AI suggestions help us explain complex insurance concepts in plain English
- •Maintaining consistency — AI tools help ensure consistent terminology and formatting across our content
The result: More accurate, comprehensive, and accessible insurance information for Alabama families and businesses—with the same human expertise and oversight you expect from a licensed agent.
Limitations & Disclaimers
- ⚠AI tools can make mistakes. That's why we verify all factual claims before publication and encourage you to contact us with questions about your specific situation.
- ⚠Content is general guidance, not individual advice. Insurance is underwritten individually. Your actual coverage, pricing, and claim outcomes depend on your specific situation.
- ⚠Markets change constantly. We review and update content regularly, but carrier guidelines and pricing can change between updates. Always verify current information with a licensed agent.
- ⚠AI tools don't replace professional relationships. When you work with TCDS, you work with licensed agents who know your situation and advocate for you during claims.
Updates to This Policy
As AI technology evolves and our use of these tools changes, we will update this policy to reflect current practices. Material changes will be noted with an update date.
Last Updated: February 2026
Questions About Our AI Usage?
We're happy to explain how we use AI tools or discuss any concerns about content accuracy.