Trust Matters: Is Your Insurance Agent Licensed?

Julie’s Got You Covered

Is Your Agent Actually Licensed? How Can You Ensure They Are?

Wondering if your health insurance agent is actually qualified to help with your coverage needs? You're not alone. Many Americans unknowingly work with unlicensed insurance "professionals" who lack accountability, proper training, and the legal requirements to sell health plans.
Julie Sears, founder of Integrity Health Insurance Advisors, pulls back the curtain on the risks of working with unlicensed agents and provides clear, actionable steps to verify an agent's credentials. With over seven years of experience in the health insurance industry, Julie explains that licensed agents must maintain errors and omissions insurance that protects clients if mistakes happen. Without this safeguard, consumers have little recourse when coverage issues arise.
The verification process is surprisingly simple. Julie recommends asking directly for a copy of the agent's license – a request no legitimate professional should hesitate to fulfill. Alternatively, each state's department of insurance offers online verification tools where consumers can independently confirm an agent's licensing status. Beyond licensing, Julie suggests seeking referrals from trusted sources rather than submitting information to online lead generation sites that sell your contact information to dozens of agents nationwide.
"If they're willing to sell unlicensed, they probably don't have a lot of integrity backing them up," Julie warns, noting that she's witnessed former agents continuing to sell insurance products even after losing their licenses for misconduct. She also cautions against offers that sound too good to be true: "If they tell you it's all rainbows and sunshine, it's probably not."
Protect yourself and your family by taking a few minutes to verify your agent's credentials before making any health insurance decisions. Ready to work with a licensed professional who prioritizes your needs? Book a free 30-minute consultation at IntegrityHealthInsuranceAdvisors.com or call 469-348-4066 to get started.

To learn more about Integrity Health Insurance Advisors visit:
https://www.IntegrityHealthInsuranceAdvisors.com/
Integrity Health Insurance Advisors
469-348-4066

Chapters

1. Welcome to Julie's Got You Covered (00:00:00)

2. Verifying Agent Licensing (00:00:42)

3. Risks of Unlicensed Agents (00:02:39)

4. Checking Agent Credentials (00:04:25)

5. Continuing Education Requirements (00:06:32)

6. Episode Closing (00:07:58)