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Provisional vs Verified Scoring

InsurAItools' transparency standard: provisional scores reflect initial assessment from public information; verified scores reflect hands-on testing or vendo.

industryPublished 2026/06/05

FAQs

What's the difference between provisional and verified scores?
Provisional scores come from public information; verified scores come from hands-on testing, vendor briefings, or confirmed credentials. We label which is which.
Can vendors pay to change their scores?
No. Scores change only when our evidence improves — never through payment. Paid placement never influences a score.

Related Terms

  • SOC 2

    SOC 2 is a widely-recognized security and data-handling audit standard

  • HITRUST

    HITRUST is a security certification framework focused on healthcare data protection. For insurance AI tools handling health information

  • Explainable AI (XAI)

    Explainable AI refers to AI systems whose decisions can be understood, articulated, and audited by humans

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Provisional versus verified is the honesty distinction at the heart of how InsurAItools scores tools. A provisional score is an initial assessment based on public information — vendor materials, documentation, pricing, third-party reporting. A verified score reflects deeper validation: hands-on testing, vendor briefings, or confirmed credentials. We label every score so readers know which standard it meets.

Why this matters: most tool directories present scores as if they're authoritative, with no indication of the evidence behind them. That's misleading. A score derived from reading a vendor's website is not the same as one from testing the product, and pretending otherwise erodes trust. Our methodology makes the evidence basis explicit rather than hiding it.

Provisional scores are honest starting points. They let us cover the full landscape — 100 tools — without waiting to test each one, while being transparent that the assessment is preliminary. They're most reliable on dimensions verifiable from public information (pricing, target market, feature scope) and least certain on dimensions like security and real-world accuracy, which we flag as low-confidence when evidence is thin.

Verified scores represent the upgrade path: as we test tools, confirm certifications like SOC 2 and HITRUST, or receive validated information, provisional scores become verified. This is why our scores can change — not because vendors paid us (they can't influence scores), but because our evidence improved. That commitment to evidence over assertion is what makes an independent review site trustworthy.