How to check an insurance agent's license in Georgia

Look the agent up in Georgia

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 Georgia Office of the Commissioner of Insurance and Safety Fire's license lookup

   Georgia agent license lookup. It's the official lookup from the Georgia Office of the Commissioner of Insurance and Safety Fire. Choose Georgia and "Individual," then enter the license number, or at least two of: last name, first name, city.

3. 3

   Check four things

   The status is active, the license is for Georgia (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 Georgia. 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 Georgia.
• 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 Georgia

Required. Georgia requires insurers that sell Medigap to people 65 and older to also offer Medigap to residents under 65 who have Medicare because of a disability or ESRD, with an enrollment window of 6 months after enrolling in Part B.

Price: Under-65 premiums may differ from 65+ premiums but can't be excessive or unfairly discriminatory.

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 Georgia Office of the Commissioner of Insurance and Safety Fire at 1-800-656-2298. 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 Georgia: SHIP

Every state has a free Medicare counseling program. In Georgia it's the Georgia SHIP (State Health Insurance Assistance Program). 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 Florida
• Check a license in North Carolina
• Check a license in South Carolina
• Check a license in Tennessee
• 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.