Jessica Martinez
Jessica's background is in personal finance journalism, not insurance underwriting. She is not a licensed agent, broker, or financial planner, and she doesn't claim any of those credentials. What she does is spend a lot of time in the material a licensed professional would also draw on: insurer rate filings, published pricing studies, and industry reports on how term and whole life premiums move with age and health class. That's the raw material behind the coverage math and rate ranges you see across this site.
She also writes about budgeting, debt payoff, and household cost planning for a few other independent finance sites, which is where the DIME-method framing used on this site's calculator originally comes from. It's a standard planning shortcut, not something unique to life insurance that she invented.
How her work gets checked
Every guide and every version of the calculator's assumptions goes through the same sourcing rules described on our editorial standards page before it's published: figures need to trace back to an insurer filing or a published pricing study, and anything that's a planning estimate rather than a hard number has to say so in the text, not just in a footnote.
Why there's only one byline
Every page on this site carries Jessica's name because she's the one who did the research and wrote the sentences. There's no anonymous "editorial team" or invented panel of underwriters standing behind the copy to make it look more authoritative than it is. If a second writer ever contributes here, their name goes on what they wrote, not folded into a shared credit line.