https://theinsurancerecord.org/updates/ What changed on The Insurance Record: new Library pages, Register assessments, and public corrections. en-us https://theinsurancerecord.org/library/gap-insurance-license-explained/ 2026-09-15-Does selling GAP insurance require an insurance license? Tue, 15 Sep 2026 12:00:00 GMT GAP is legally two different products through two different channels: a dealer-sold debt-cancellation waiver, exempt from producer licensing in most states under an industry-drafted GAP Alliance model act (not an NAIC model act), and a true insurance-policy endorsement that does require a licensed producer. New York applies a narrower, statute-based three-part test to the waiver channel. https://theinsurancerecord.org/library/ 2026-09-15-8 more Library pages: data security, annuity best interest, replacement paperwork, Medicare marketing, public adjusters, commission disclosure, policy types, and California licensing Tue, 15 Sep 2026 12:00:00 GMT What the NAIC's data security model law requires of an agency handling your information; the four obligations behind the 2020 annuity best-interest standard; the actual replacement-notice paperwork behind a policy swap; how Medicare Advantage and Medigap marketing rules genuinely differ; public adjusters as a distinct, separately-licensed profession; what an agent actually has to disclose about their own commission; the regulatory differences between term, whole, and universal life; and what's genuinely distinct about California's own licensing regime. https://theinsurancerecord.org/library/ 2026-09-15-6 more Library pages: appointment, rebating, E&O, free-look, captive vs. independent, and how to complain Tue, 15 Sep 2026 12:00:00 GMT 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. https://theinsurancerecord.org/register/ 2026-09-15-The Register is open — zero agents/brokers assessed so far Tue, 15 Sep 2026 12:00:00 GMT 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. https://theinsurancerecord.org/library/ 2026-09-15-3 Library pages: the foundation Tue, 15 Sep 2026 12:00:00 GMT 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. https://theinsurancerecord.org/standard/ 2026-09-15-The Insurance Record launches Tue, 15 Sep 2026 12:00:00 GMT A published standard for individual insurance agents and brokers, tied to state producer licensing verified through NIPR, NAIC model regulations on appointment, anti-rebating, deceptive marketing, and life/annuity replacement — plus a public Register that will report findings honestly, with no paid placements and no pay-to-list badge.