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Licensing

Connect to Coverage – Licensing & Regulatory Information
 

This Licensing & Regulatory Information page (“Licensing Page”) describes the licensing status, agent requirements, and regulatory disclosures applicable to Connect to Coverage. By interacting with our website or receiving insurance-related communications, you acknowledge the information provided below.
 

1. Licensing Overview

Connect to Coverage operates as an insurance marketing and lead generation platform that connects consumers with licensed life insurance agents and carriers. Our agents are independently licensed in the states where insurance services are offered. All recommendations, quotes, and policy sales are completed exclusively by state-licensed agents who meet the regulatory requirements of their resident and non-resident states.

Connect to Coverage itself is not an insurance carrier, and does not underwrite, bind, or issue insurance policies. All insurance products are provided by state-licensed carriers.
 

2. Licensed Agents & State Authorization

Life insurance products offered through Connect to Coverage are distributed only through insurance professionals who hold active resident or non-resident licenses in the state where the consumer resides. Each agent is responsible for maintaining their own state licensing, continuing education requirements, carrier appointments, and compliance with state insurance departments.

Before presenting policy options, completing applications, or providing personalized recommendations, all agents must confirm licensure within your state of residence. You may request verification of an agent’s license at any time.
 

3. Carrier Appointments

Agents may be appointed with multiple life insurance carriers, including but not limited to companies that offer Term Life, Whole Life, Universal Life, and Final Expense policies. Carrier appointment status may vary by state.
Only agents who are appointed and authorized by a carrier may present, sell, or service that carrier’s products.

All underwriting decisions and policy approvals are the sole responsibility of the insurance carrier.
 

4. Availability of Products by State

Insurance product availability varies depending on the state in which you reside. Certain policy types, riders, or underwriting options may not be available in all states due to regulatory restrictions.

Connect to Coverage makes every effort to ensure accurate state-by-state product availability. However, regulations may change, and certain carriers may withdraw or modify offerings without notice.

Policy offerings are always subject to:

  • State Insurance Department rules

  • Carrier underwriting guidelines

  • Licensing and appointment requirements
     

5. Verification of Licensing

To verify the license of any insurance agent who contacts you through Connect to Coverage, you may use your state’s Department of Insurance license lookup tool. These tools are publicly accessible and allow you to confirm:

  • Agent name

  • License type

  • License status

  • Resident and non-resident state authorizations

  • Carrier appointments (in some states)

If you need assistance locating an agent's license information, contact us and we will provide direct verification.
 

6. Compensation Disclosure

Licensed agents may receive commissions or compensation from insurance carriers for policies sold. Compensation varies based on the carrier, policy type, and state guidelines.
This compensation does not increase your premiums or affect your policy pricing in any way.

Connect to Coverage does not charge consumers any fees for obtaining quotes or speaking with an agent.
 

7. No Legal, Tax, or Financial Licensing

Connect to Coverage and its agents do not provide:

  • Legal advice

  • Tax advice

  • Investment advice

  • Financial planning services

Agents are licensed strictly for the sale of life insurance products. Any information provided is for general educational purposes and should not be interpreted as professional legal, financial, or tax guidance.
 

8. Licensing for SMS and Marketing Communications

SMS/text messages, phone calls, emails, and marketing communications related to insurance products are sent only for the purpose of connecting you with a licensed agent who can lawfully discuss policy options in your state.
Agents may only engage in insurance discussions for the states in which they are licensed.

For details regarding communication consent, refer to our SMS Terms & Conditions and Privacy Policy.
 

9. Compliance with State & Federal Regulations

Connect to Coverage and participating agents comply with all applicable insurance laws and regulations, including:

  • State Department of Insurance regulations

  • Federal Trade Commission (FTC) advertising guidelines

  • Telephone Consumer Protection Act (TCPA) requirements

  • HIPAA/HITECH privacy standards when applicable

  • Carrier-specific compliance rules

Violations of licensing or regulatory rules are not permitted, and any non-compliant conduct is grounds for immediate removal from the Connect to Coverage network.
 

10. Updates to Licensing Information

This Licensing Page may be updated periodically to reflect changes in agent availability, carrier partnerships, regulatory requirements, or internal compliance practices. Continued use of our website or services indicates acceptance of these updates.
 

11. Contact Information

For licensing inquiries, agent verification requests, or compliance questions, you may contact us at:
Email: team@connecttocoverage.com
Website: www.connecttocoverage.com

 

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