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Missouri license lookup

How to check an insurance agent's license in Missouri

Before you share your Medicare number or sign anything, take two minutes to confirm the agent is licensed in Missouri. Here's where to look, and what you should see.

Last reviewed October 26, 2026. General information, not advice about any plan.

Look the agent up in Missouri

  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. Open the Missouri Department of Commerce and Insurance's license lookup

    Missouri agent license lookup. Missouri uses the national lookup run by NAIC, the association of state insurance regulators. Choose Missouri as the jurisdiction, "Licensee" as the search type and "Individual" as the entity type, then accept the terms and search.

  3. Check four things

    The status is active, the license is for Missouri (resident or nonresident), it includes a health line of authority (in Missouri it's listed as "Accident and Health or Sickness"), and it hasn't expired.
Agents with our Verified badge have had these checks done by a person on our team, against the state's own records, and the badge shows the date. How we verify

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 Missouri. 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 Accident and Health or Sickness. 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 Missouri.
  • 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.

Switching Medigap plans in Missouri

Anniversary rule. Within 30 days before or after your policy's anniversary date (not your birthday), you can switch to the same plan letter from any insurer.

This applies to people who already have a Medicare Supplement policy. See every state's Medigap switching rule.

Medigap if you're under 65 in Missouri

Required, with limits. Missouri insurers must sell any Medigap policy they offer, with no health questions, to people under 65 on Medicare because of a disability who apply within 6 months of enrolling in Part B (with another open enrollment at 65); the sources do not clearly say whether people on Medicare only because of kidney failure (ESRD) are included.

Price: Can't exceed the insurer's lowest or average rate for people 65 and older.

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

Free, unbiased help in Missouri: Missouri SHIP

Every state has a free Medicare counseling program. In Missouri it's the Missouri SHIP, 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.

Free help that isn't an agent

Medicare.gov, 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048), or Missouri SHIP at 1-800-390-3330.

Common questions

What license does an agent need to sell Medicare plans in Missouri?

A Missouri insurance license with a health line of authority (often called "Accident & Health" or "Health"). To sell a particular company's plans, the agent must also be appointed by that company, and agents who sell Medicare Advantage or Part D plans must complete the plan's training and testing every year.

Can an agent from another state help me in Missouri?

Yes, if they hold a Missouri license. Agents based elsewhere get a "nonresident" license for each state they work in. It shows up in the Missouri Department of Commerce and Insurance's lookup the same way, marked nonresident.

Does it cost anything to check a license?

No. The lookup is free and open to the public, and you don't need an account.

What if I can't find the agent?

Check the spelling, try their National Producer Number (NPN) instead of their name, and ask whether their license is under a different legal name. If you still can't find an active license, don't share your Medicare number or sign anything, and contact the Missouri Department of Commerce and Insurance.

Nearby states

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

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