How to check an insurance agent's license in New Jersey

Look the agent up in New Jersey

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 New Jersey Department of Banking and Insurance's license lookup

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

3. 3

   Check four things

   The status is active, the license is for New Jersey (resident or nonresident), it includes a health line of authority (in New Jersey it's listed as "Accident and Health or Sickness"), 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 New Jersey. 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 New Jersey.
• 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 New Jersey

Required, with limits. New Jersey lets people under 65 on Medicare because of a disability buy Medigap Plan D (Plan C if eligible before 2020) if they apply within 12 months of enrolling in Part B, from every Medigap insurer if they are 50 to 64 or from one designated insurer if they are under 50; the state page does not mention kidney failure (ESRD).

Price: No more than the age-65 rate for the same policy.

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 New Jersey Department of Banking and Insurance at 1-800-446-7467. 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 New Jersey: SHIP

Every state has a free Medicare counseling program. In New Jersey it's the New Jersey State Health Insurance Assistance Program (SHIP). 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 Delaware
• Check a license in New York
• Check a license in Pennsylvania
• 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.