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.
Where we are right now
Check an agent →The standard is published and the Register is open, honestly: 28 records checked so far, 0 full reviews completed, and 0 listed. See Updates for a dated record of everything that changes from here.
What that means in practice
- No paid rankings
- 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 with a guide
All agent guides →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
It compares a company's complaints to its size — and it's calculated for the carrier, not the individual agent. The distinction matters.
Life & annuities
Twisting and churning
Terms defined in state law, with Florida's statute as one example — and the replacement-disclosure duties the NAIC model regulation sets.
One email when the first agent passes
A new Library deep-dive, and a heads-up when the first agent or broker actually passes — 28 records checked so far, 0 full reviews completed, 0 listed, 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 →October 9, 2026
How to check a Florida bail bond agent's license
The Licensee Search category, the chapter 648 definitions and qualifications, and what a license does not…
October 9, 2026
What is a National Producer Number (NPN)?
NIPR's description of the identifier, how it differs from a state license number, and what it does not show.
October 9, 2026
Churning and twisting page rewritten and corrected
The earlier page attributed definitions and a producer comparison duty to NAIC Model 613 that the model text…