Insurance agents and brokers, checked against real regulation — not a five-star review
Anyone can put "insurance agent" in a bio. Whether that person is actually licensed in your state, actually appointed to sell the carrier's products they're pitching, and free of a disciplinary or rebating pattern is a separate, checkable question almost nobody asks before signing. We check real agents and brokers against the actual licensing and conduct rules that apply, and report what we find honestly — no paid rankings, no pay-to-list badge.
What that means in practice
- No sponsored placements, ever
- Every finding checked against a state regulator's own record, not an agent's claim
- A failing verdict never named — only a passing one
- No paid "verified agent" badge, at any price
Start here
All explainers →Licensing
How to check if your agent is licensed
A step-by-step walkthrough of your state's own license lookup — no SSN or special access required.
Complaints
What the NAIC Complaint Index measures
A 1.0 score is the industry median — but it's calculated for the carrier, not the individual agent. The distinction matters.
Life & annuities
Churning and twisting, explained
Two specific, regulated forms of misconduct in life insurance and annuity sales — and the disclosure rule meant to stop them.
Where we are right now
The Register →This site just launched. The standard is published and the Register is open, honestly, at zero agents/brokers assessed so far — see Updates for a dated record of everything that changes from here.
One email when the Register opens
A new Library deep-dive, and a heads-up the day the first agents get assessed — this site is at zero right now, and that's the whole point of checking rather than assuming. No launch hype, no affiliate blasts, unsubscribe in one click.
Recently updated
All updates →September 15, 2026
6 more Library pages: appointment, rebating, E&O, free-look, captive vs. independent, and how to complain
Why a carrier appointment is a separate, filed fact from a license; why anti-rebating law limits what an agent can offer you; which states actually mandate E&O insurance; how long a free-look period really runs; the legal difference between a captive agent and an independent broker; and how to file a complaint with your state's Department of Insurance.
September 15, 2026
The Register is open — zero agents/brokers assessed so far
The standard is published and vetting is starting. We're showing the honest current count (zero) rather than filling this page with placeholder claims; the first real assessments will appear here as they're completed.
September 15, 2026
3 Library pages: the foundation
How to check whether your insurance agent is actually licensed (NIPR and your state's own DOI lookup), what the NAIC Complaint Index measures and its carrier-vs-agent attribution limits, and what churning and twisting actually mean under NAIC's life/annuity replacement rules.