About Us

First published: 22 September 2025 · Last updated: 25 September 2026

What Is Shield and Strategy

Shield and Strategy is an independent insurance publication built for readers who want to understand their coverage before they need it — not after a claim goes wrong. The site was founded on a simple premise: insurance decisions are financial decisions, and financial decisions deserve the same rigor, clarity, and honesty that a good editor would demand of any story involving people's money.

The name reflects the two things every policyholder actually needs. A shield — coverage that genuinely protects a car, a family's health, or a life's financial future when something goes wrong. And a strategy — the knowledge to choose that coverage deliberately, compare it intelligently, and avoid the gaps that only become visible at the worst possible moment: when a claim is denied.

Shield and Strategy does not sell insurance, broker policies, or accept payment to favor one insurer over another. It exists to explain how insurance actually works, so readers can make their own informed choices with a licensed professional when the time comes.

What Subjects We Cover

The publication is organized around three core insurance clusters:

• Car insurance — liability limits, comprehensive and collision coverage, no-claims discounts, telematics, and state-by-state requirements.
• Health insurance — plan types, premiums and deductibles, open enrollment, and how coverage decisions affect out-of-pocket risk.
• Life insurance — term versus permanent policies, underwriting, beneficiary planning, and coverage suitability at different life stages.

Every article is written primarily for a United States audience, since American readers make up the core of Shield and Strategy's readership. Where a topic benefits from it, articles also explain the equivalent coverage, regulator, or consumer-protection body in the United Kingdom, so international readers are never an afterthought.

Who the Publication Serves

Shield and Strategy is written for three overlapping groups of readers:

• First-time buyers — people purchasing their first car insurance policy, comparing health plans during open enrollment, or buying life cover for the first time, who need concepts explained without assumed prior knowledge.
• Experienced policyholders — readers who already hold coverage but want a second opinion at renewal, a clearer understanding of an exclusion, or a comparison they cannot easily find elsewhere.
• Households planning ahead — readers weighing how car, health, and life coverage fit together as part of a household's overall financial protection, rather than as three unrelated purchases.

Whatever a reader's starting point, the goal is the same: to leave the article better equipped to ask their insurer or broker the right questions.

Our Editorial Mission

Shield and Strategy's mission is to make insurance understandable without oversimplifying it. That means:

• Explaining how coverage, premiums, deductibles, and exclusions actually work, in plain language, before offering any comparison or opinion.
• Treating every reader — beginner or experienced — as someone capable of understanding the subject when it is explained properly.
• Presenting the benefits and the limitations of any policy type, insurer category, or coverage strategy honestly, rather than only the benefits.
• Producing content that remains useful for years, not articles built to chase a single week of search traffic.
• Keeping a clear line between general education and personalized advice. Nothing published here replaces a conversation with a licensed insurance agent, broker, or financial adviser who can assess an individual's specific circumstances.

How Our Information Is Researched

Every article begins with primary sources — insurer policy documents, government and regulatory guidance, and official statistics — before any comparison or explanation is written. The full methodology, including our source hierarchy and how figures and calculations are verified, is documented in detail on our Editorial Policy page.

What Makes Our Information Different

Most consumer insurance content is written to sell a product or fill space. Shield and Strategy is written to be correct first. Every explanation is checked against primary sources before it is checked for readability, and every comparison names its limitations rather than hiding them. This is coverage explained by someone who reads the policy document and the regulatory filing for a living — not repackaged marketing copy.

How Corrections Are Handled

When a factual error is identified, it is corrected openly rather than silently edited away. Significant corrections are noted on the affected article. Full details of this process are set out in our Corrections Policy.

Who Is Responsible for This Publication

Shield and Strategy is edited by Olukunle Fashina, a senior journalist and certified accountant with more than two decades of professional experience spanning broadcast journalism and public-sector finance in Nigeria, including service as Editor-in-Chief of Lagos Traffic Radio, Africa's first radio traffic station, and as a Deputy Director within the Lagos State Government. That background combines two disciplines directly relevant to insurance reporting: the editorial discipline of verifying a story before publishing it, and the financial literacy required to read a policy document, a premium structure, or a regulatory filing correctly.

Readers who want to understand the author's full professional background can visit the Author bio page, and questions or feedback can always be sent through the Contact Us page.

Shield and Strategy earns trust the way any credible publication should: by being accurate, by being clear about what it does and does not know, and by treating readers as people who deserve the whole picture, not just the parts that are easy to explain.