How matching works

Each is checked in code when an agent is put on a shortlist and again when it is sent. The screen refuses rather than warns.

• Published rules draft the list; a person checks and sends every one. No AI picks or orders agents.
• An agent is shown only if their license in your state was checked on that state regulator's public lookup, or the regulator's own published license file, within the last 7 days, and we show you the date and the link. If that check goes stale before you open your shortlist, the agent is taken off it.
• Every agent on your shortlist is named, with their agency and their National Producer Number, so you can look them up yourself.
• If you said you need an agent who speaks your language, only agents who told us they do business in it are shown.
• Listing is free. Agents can pay to be promoted: a promoted agent is always labelled "Promoted" and may be shown first, but only if they already fit your request. Payment never changes a license check and never buys your contact details.
• The site owner's own agency is never shown, and a shortlist can never carry the owner's producer number.
• At most three agents per request, and at most one from any agency. If fewer than three fit, you see fewer. If none fit, we say so.
• The draft lists the agents who fit in a published order: promoted agents first, then whoever handles the products you asked for, then whoever does business in your language, then whoever was put on a shortlist least recently, then by name.

• Never charge a buyer anything, or charge an agent to be listed, per request, per introduction or per sale. The only thing an agent can pay for is a promotion, which is always labelled and never gets anybody past a rule.
• Never sell, rent or share a buyer's details. Only the agents a buyer ticks get them, on the channels ticked, and one link takes them back.
• Never call or text a buyer automatically, or pass a buyer to anybody they did not tick by name.
• Never give coverage advice, quote a price, or promise a saving.
• Never route a health, Medicare, Marketplace, dental or vision request to anybody.
• Never put the operator's own agency on a shortlist.
• Never publish a page about an agent who has not opened an account and been listed by the operator, or use an agent's name to bring in buyers without that.
• Never publish reviews or star ratings of agents, or rank them by anything but the published order.
• Never say or suggest that a state regulator, NIPR or the NAIC backs this site or any agent. The license link goes to the regulator's own record.
• Never let AI pick or order agents.

A program cannot check these, so they are not dressed up as enforced rules. They are how the operator works, and you can hold us to them.

• An agent is only put in front of you if they told the operator they handle that line of insurance. That is a person's judgement about a conversation, not a field in a database.
• The operator reads every drafted list before it is sent. The operator can take an agent or a line off it, and can also add an agent by hand, with a short factual note: the license, language, one-per-agency and three-agent rules still apply, and the card shows the note as the operator's.
• After an introduction the agent can tell us they have it, or pass, and we ask you once whether they got in touch. Those answers are counts for the operator and, from five answers on, for that agent. They never order agents or decide who is shown.

An agent with an account is drafted only if they pass every gate: a license in your state checked within the last 7 days and not expired or marked inactive; your state among the ones they want; the line you asked for; your language, if you need it; for trucking, your fleet size, kind of operation, new-venture status and your carrier's FMCSA radius and hazardous-materials answers (a record that says nothing about either is held against nobody); cover now, if you need it; an active, unpaused account; and fewer shortlists this week than the agent's own limit.

Among those, promoted agents come first and are labelled "Promoted"; then whoever writes the products you asked for, then whoever speaks your language, then whoever was on a shortlist least recently. Payment never gets an agent past a gate.

The draft holds at most three agents and at most one per agency, and goes nowhere on its own. The operator reads it, can take an agent or a line off, and presses send. An agent added by hand carries a short factual note, shown as the operator's, and the same license, language, one-per-agency and three-agent rules apply.

No model reads your request. Each card prints one plain line for each check that agent passed, so "why these three" has a written answer.

Before an agent can appear on your shortlist, their license in your state is checked against that state insurance department's own records, usually by a person on the department's search page (the NAIC directory lists every one).

In Texas the department also publishes its license data daily. Each night a Texas agent's license is matched against it: NPN, license number, a date that has not passed, a license type that can sell to you, every line claimed, and the name. A file older than two days is never used, a Texas check only serves Texas buyers, and it only counts once a person has confirmed the account belongs to the agent it names.

A check older than 7 days does not count. A shortlist with a stale check cannot be sent, and an agent whose check goes stale before you open it is taken off. You can repeat the check yourself: how to check an insurance agent's license.

You pay nothing. Agents pay nothing to be listed or introduced; the only thing they can pay for is a labelled promotion, as the summary above says.

The site's owner also owns an insurance agency. That agency never receives requests from this site and never appears on a shortlist. If you ever see it on a shortlist, tell us. More on the who runs this page.

InsuranceAgentPick is new, and in most states there are not three agents to show you yet. When that happens you are told, not padded: fewer when fewer fit, none when none do.

Each state page, such as insurance agents in Texas, names only the agents listed there under these same rules. How to find an insurance agent covers the rest of the search, with or without us.