Legal

Licenses

Sure Insurance and More is a licensed independent insurance agency operating in Florida and in more than 27 U.S. states.

Last updated: March 28, 2026

1. Licensing Overview

Sure Insurance and More ("the Agency") is an independent insurance agency licensed under the laws of the State of Florida and holds active non-resident producer licenses in more than 27 U.S. states. We act exclusively as a licensed insurance producer and intermediary — we do not underwrite or issue insurance policies.

All of our insurance advisors are individually licensed in each state where they conduct business, in compliance with the applicable licensing requirements established by each state's Department of Insurance or equivalent regulatory authority.

You are encouraged to verify the license status of our agency and our agents at any time through the official verification resources listed in Section 6 of this page.

2. Florida Resident License

Sure Insurance and More holds an active insurance producer license issued by the Florida Department of Financial Services (FLDFS). Our licensed agents hold the following Florida license types, as applicable to the products they offer:

  • 2-15 — Life, Health & Variable Annuity Agent: Required to solicit, sell, and service life insurance, health insurance (including individual and group major medical, short-term health, dental, and vision plans), and variable annuity products. This license covers our advisors who assist clients with ACA Marketplace plans, private health plans, Medicare Supplement, and life insurance.
  • 2-20 — General Lines (Property & Casualty) Agent: Required to solicit, sell, and service property and casualty insurance products, including personal auto, homeowners, renters, commercial general liability, commercial auto, workers' compensation, and cyber liability insurance. This license covers our advisors who assist with auto, home, and commercial coverage.
  • 2-14 — Life (Including Annuities & Variable Contracts) Agent: Authorizes the solicitation and sale of life insurance and annuity contracts. Held by advisors who offer life and term life insurance products.

Florida producer licenses are issued and regulated by the Florida Department of Financial Services under Chapter 626 of the Florida Statutes. All licenses are subject to renewal requirements and continuing education obligations.

3. Non-Resident Licenses — Interstate Operations

Sure Insurance and More holds active non-resident insurance producer licenses in 27 U.S. states, enabling us to serve clients across the country. Non-resident licenses are issued by each state's insurance regulatory authority and are maintained in good standing through the National Insurance Producer Registry (NIPR).

The following are the 27 states in which we are licensed to operate: Alabama, Arizona, Colorado, Connecticut, Florida (resident / home state), Georgia, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.

If you reside in a state not listed above, please contact us using the information in Section 10 to confirm whether we are able to assist you.

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4. Federal Registrations and Authorizations

ACA Health Insurance Marketplace — CMS Registration

Sure Insurance and More is registered with the Centers for Medicare & Medicaid Services (CMS) as a licensed agent authorized to assist consumers with enrollment in health insurance plans through the Federally Facilitated Marketplace (FFM) and State-Based Marketplaces (SBMs) under 45 C.F.R. §155.220. Our advisors complete mandatory annual CMS training and certification requirements prior to each Open Enrollment Period.

Medicare Products

Agents of Sure Insurance and More who assist clients with Medicare Advantage (Part C) and Medicare Prescription Drug (Part D) plans are licensed, appointed by the relevant carriers, and comply with all CMS marketing regulations for Medicare products, including completion of the annual AHIP (America's Health Insurance Plans) certification and carrier-specific training as required. Our Medicare sales activities are conducted in accordance with 42 C.F.R. Part 422 (Medicare Advantage) and 42 C.F.R. Part 423 (Medicare Part D).

National Producer Number (NPN)

Each licensed insurance producer at Sure Insurance and More is assigned a unique National Producer Number (NPN) by the National Association of Insurance Commissioners (NAIC) through NIPR. The NPN is a permanent identifier used to track and verify license status across all states. You may request the NPN of any of our agents by contacting us using the information in Section 10.

5. Carrier Appointments

In addition to state licenses, insurance producers must be appointed by each insurance carrier on whose behalf they are authorized to solicit business. Sure Insurance and More and its agents hold active appointments with a broad portfolio of licensed insurance carriers across the lines of business we offer, including:

  • Health insurance: Major ACA Marketplace carriers, Medicare Advantage and Supplement carriers, and private health plan issuers operating in Florida and the states where we are licensed.
  • Auto insurance: Personal and commercial auto carriers licensed in Florida and multi-state markets.
  • Homeowners and property insurance: Homeowners, renters, condo, and flood insurance carriers, including Citizens Property Insurance Corporation (Florida's state-backed insurer of last resort).
  • Commercial insurance: Carriers offering general liability, commercial property, commercial auto, workers' compensation, and business owners' policies (BOP).
  • Life insurance: Term life, whole life, and universal life carriers authorized in Florida and applicable states.
  • Specialty lines: Pet insurance and cyber liability carriers.

Carrier appointments are established and maintained in compliance with §626.112 and §626.734, Florida Statutes, and equivalent requirements in each state where we operate. A full list of carrier appointments is available upon request.

6. License Verification

You can verify the license status of Sure Insurance and More and any of our individual agents through the following official resources:

  • Florida Department of Financial Services — MyProfile / Agent Lookup: The FLDFS maintains a public database of all licensed insurance agents and agencies in Florida. Search by name, license number, or NPN at fldfs.com (Division of Agent and Agency Services › Licensee Search).
  • National Insurance Producer Registry (NIPR): NIPR's Producer Database (PDB) allows consumers to look up an agent's license status across all U.S. states by name or NPN at nipr.com.
  • NAIC Consumer Information Source: The National Association of Insurance Commissioners (NAIC) provides a consumer portal to verify agent and company licenses at content.naic.org/cis.
  • CMS Agent Finder (for Medicare products): CMS maintains a directory of Medicare-licensed agents at medicare.gov under "Find a Medicare Plan."

7. Errors & Omissions Insurance

Sure Insurance and More maintains active Errors & Omissions (E&O) professional liability insurance coverage. E&O insurance protects clients in the event that an error or omission on the part of our agency results in a financial loss. This coverage is maintained as a matter of professional responsibility and in compliance with the standards expected of licensed insurance agencies.

8. Continuing Education

Florida requires all licensed insurance agents to complete mandatory continuing education (CE) credits in each license renewal period (typically 24 months). Our agents complete the required CE hours, including mandatory ethics training, to maintain their licenses in good standing. Agents licensed in other states comply with the CE requirements of each respective state.

Additionally, agents who sell ACA Marketplace and Medicare products complete annual federal training and certification programs as required by CMS, ensuring they remain current with regulatory changes, product updates, and consumer protection rules.

9. Regulatory Oversight

Our agency's insurance activities in Florida are regulated by the Florida Department of Financial Services (FLDFS) and the Florida Office of Insurance Regulation (OIR). Our health insurance activities related to ACA and Medicare enrollment are subject to oversight by the Centers for Medicare & Medicaid Services (CMS) under the U.S. Department of Health and Human Services.

If you have a complaint or concern about our agency's conduct, you may file a complaint with:

  • Florida Department of Financial Services: myfloridacfo.com — Division of Consumer Services, 1-877-MY-FL-CFO (1-877-693-5236)
  • Florida Office of Insurance Regulation: floir.com
  • CMS Marketplace (for ACA complaints): 1-800-318-2596 or healthcare.gov
  • Medicare (for Medicare product complaints): 1-800-MEDICARE (1-800-633-4227) or medicare.gov

10. Contact Us

If you would like to verify the license or NPN of a specific advisor, request a list of our carrier appointments, or have any questions about our licensing status, please contact us:

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