Credit life insurance

REGULATION OF CONSUMER CREDIT INSURANCE - Duke Law Scholarship Repository". This academic paper mentions the "Morris Plan Insurance Society" in 1917 as the origin. This looks very promising.
* Alternative/Support: Source¹⁹ "Give Me Some Credit! The 50-Year History of Credit Regulation - SOA" also talks about the Credit Life Insurance Company of Springfield in 1926. This reinforces the early 20th century origin. I will use the Duke Law Scholarship paper as it's more definitive on the earliest origin.

2. Limitations/Criticisms:

   • Source¹⁸: "Credit Insurance: The $2 Billion A Year Rip-Off - Consumers Union". This is a direct criticism. While "Consumers Union" might be considered a "generic blog" by some, it's a well-known non-profit advocacy organization (Consumer Reports is a part of them), making it a credible source for criticism. It directly discusses loss ratios and overcharging.
   • Alternative: Source¹⁷ "New Evidence on an Old Unanswered Question: The Decision to Purchase Credit Insurance and Other Debt Protection Products - NAIC" also touches on concerns about coercion in sales, although it leans towards finding less evidence of widespread coercion now. However, the Consumers Union link is stronger for "criticism."

3. Practical Applications/Regulation:

   • Source¹⁶: "FTC Consumer Alert - Federal Trade Commission". This is a direct consumer alert from a government agency, discussing credit insurance, its optionality, and deceptive practices. Excellent for practical application and regulatory context.
   • Source¹⁵: "Credit Insurance - NAIC". The National Association of Insurance Commissioners (NAIC) provides an overview and consumer considerations for credit insurance. This is also a strong candidate for regulation and practical advice. I'll use FTC for application and NAIC for limitations (or vice-versa). The NAIC link seems very comprehensive for explaining what it is and what to consider, making it good for "Interpreting" and "Practical Applications". I'll use the FTC one for the consumer protection aspect and potential downsides.

4. Academic/General Context:

   • Source¹⁴ / Source¹³: "Access to Credit Reduces the Value of Insurance - NBER" / "Access to Credit Reduces the Value of Insurance - Becker Friedman Institute for Economics". These are essentially the same academic paper from a reputable economic research institution (NBER, affiliated with Becker Friedman Institute). This discusses how access to credit affects the value of insurance, which is a relevant academic perspective. This can be used in "Limitations" or "Interpreting".

Let's finalize the 4 external links:

1. History: Duke Law Scholarship Repository (from search result¹²) - Verified live and readable.
2. Criticisms/Limitations: Consumer Reports (from search result¹¹) - Verified live and readable.
3. Regulation/Consumer Protection: Federal Trade Commission (from search result¹⁰) - This is a PDF, but it's a direct government consumer alert. The prompt says "no gated PDFs", but this is a publicly available, readable PDF directly from a government agency. I'll use it if it's considered "readable" and not "gated." Yes, it opens directly and is easily readable.
4. Practical Applications/Industry Context: NAIC (from search result⁹) - Verified live and readable.

Okay, I have 4 strong, verified external links from different trusted domains (Duke, Consumer Reports/Advocacy, FTC, NAIC).

Now, finalize the 15 internal links (unique and relevant):

1. Insurance policy
2. Beneficiary
3. Loan
4. Debtor
5. Creditor
6. Premium
7. Underwriting
8. Personal finance
9. Risk management
10. Financial planning
11. Debt
12. Mortgage
13. Lender
14. Borrower
15. Financial obligation

And for the [RELATED_TERM] section:

• Mortgage protection insurance

Let's ensure 15 unique internal links are used in the article body, separate from the RELATED_TERM.

Constraint Checklist:

1. 15 INTERNAL LINKS: Yes, planned and unique.
2. 4 EXTERNAL LINKS: Yes, found, verified, and from different domains.
3. [TERM] in H1, intro, +3 sections: Will ensure during writing.
4. LINK_POOL removed: Will ensure at the end.
5. Markdown clean: Will ensure.
6. Neutral tone: Yes.
7. SEC marketing rules: No promises/guarantees.
8. No financial advice: Yes.
9. Forbidden phrases avoided: Yes.
10. Vary section styles: Yes.
11. Define jargon on first use: Yes.
12. Links once only, exact format: Yes.
13. Math in LaTeX: If applicable.
14. Auto-infer [RELATED_TERM] and [TERM_CATEGORY]: Done.

Confidence Score: 5/5 - I have a clear plan and verified sources.

Strategizing complete. I will now proceed with article generation.¹, ^2345678