How to check an insurance agent's license in Florida

Look the agent up in Florida

1. 1

   Ask for their full name and NPN

   Every licensed agent has a National Producer Number. A real agent will give it to you without hesitation.
2. 2

   Open the Florida Department of Financial Services's license lookup

   Florida agent license lookup. It's the official lookup from the Florida Department of Financial Services. Search by the agent's name, their National Producer Number (NPN), their license number or the agency's name.

3. 3

   Check four things

   The status is active, the license is for Florida (resident or nonresident), it includes a health line of authority, and it hasn't expired.

What the results mean

Active

The license is current. This is what you want to see.

Inactive, expired or lapsed

The agent can't legally sell insurance in the state right now. Don't enroll through them.

Resident or nonresident

Resident means their home office is in Florida. Nonresident means they're based in another state and licensed to work here. Both are fine.

Line of authority

The kinds of insurance they can sell. For Medicare plans, look for Health or Accident & Health. Life-only isn't enough.

Regulatory or disciplinary actions

Some lookups list fines or other actions. One old, small action may not mean much; several, or a revoked license, is a reason to look elsewhere.

Extra steps for Medicare plans

A state license is the first check. For Medicare plans, two more things apply:

• Appointment: the agent must be appointed by the insurance company whose plan you're choosing. Ask which companies they represent in Florida.
• Yearly certification: agents who sell Medicare Advantage and Part D drug plans must complete each plan's training and testing every year.

Agents who sell for more than one company must also tell you, before discussing any plan's benefits, how many companies and plans they represent in your area. None of them works for Medicare.

Medigap if you're under 65 in Florida

Required. Florida requires Medigap insurers to let Florida residents under 65 with Medicare due to disability or ESRD enroll in a Medigap policy without health screening during the 6 months starting the first month they are enrolled in Part B (and for 2 months after losing group health coverage); the law does not say which plans must be offered.

Price: No health-based pricing during the window; under-65 rates are set separately, with no cap tied to age-65 rates.

If you have Part B when you turn 65, you get a new 6-month Medigap open enrollment then. See every state's rule for people under 65.

If something looks wrong

• License not found or inactive: don't share your Medicare or Social Security number, and contact the Florida Department of Financial Services at 1-877-693-5236. You can also file a complaint online.
• Someone claiming to be from Medicare: hang up and call 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048).
• A listing on this site looks wrong: report it and we'll look into it.

Free, unbiased help in Florida: SHINE

Every state has a free Medicare counseling program. In Florida it's the SHINE (Serving Health Insurance Needs of Elders), part of the national State Health Insurance Assistance Program (SHIP) network. Its counselors are trained, don't sell anything, and can help you compare your options or check what an agent told you, for free.

Common questions

Nearby states

Agents often work across state lines. Check that they're licensed in the state where you live.

• Check a license in Alabama
• Check a license in Georgia
• All states

Keep reading

• How to choose a local Medicare agentQuestions to ask, warning signs, and the dates to know.
• Medicare agent vs. broker: what's the difference?Agent, broker, producer: what the words mean, the one difference that really matters (how many companies they work with), and how to tell before you meet.