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 14 agents/brokers assessed so far and 0 listed — 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 16, 2026
4 more Library pages: agency licensing, Medicare Advantage certification, and two military-specific producer rules
An insurance agency is usually its own separately licensed business entity, distinct from any individual producer's license; a Medicare Advantage or Part D agent has to clear a federal annual training-and-testing certification (not just a state license) before selling a plan; a December 2024 federal law lets a military spouse's state license follow them across a PCS move; and a 2006 federal law layers specific disclosure and reporting rules onto any life insurance sale made on a US military installation.
September 16, 2026
Seventh Register round: 1 more agent/broker assessed, 0 listed
Fourteen agents/brokers checked against the standard so far; none has passed yet, so the passing directory stays empty — not by omission, but because nobody has cleared it.
September 16, 2026
3 more Library pages: pet insurance training, travel insurance's entity-level license, and how producers actually get licensed
Pet insurance is almost always sold under an ordinary P&C license, but a 2022 NAIC model act layers a pet-specific producer training requirement on top of it in a growing list of states; travel insurance runs through its own "limited lines" license usually held by a business entity, not the counter clerk or checkout page that sold it to you; and the front-end pipeline our other licensing guides don't cover — state-specific pre-licensing education, the exam, the fingerprint background check, and the NIPR application behind every new producer license.