Who needs a license, and who does not
CobraScout does not sell insurance and holds no insurance license. We do not need one, because we do not sell, solicit or negotiate coverage — we publish information and connect callers by phone. Nobody here will discuss specific policy terms, benefits or premiums with you, and that is deliberate.
The people you actually speak to are different. Anyone who recommends a specific plan to you must hold a state insurance producer license. Your call is connected to Clearline Health Insurance (National Producer Number 19024830), a licensed insurance agency.
How to verify any agent, in about a minute
- Ask for their full name and National Producer Number. A licensed agent will give you both without hesitating. Hesitation is itself an answer.
- Check the NPN through the National Insurance Producer Registry at nipr.com, which is the industry's central licensing database.
- Check your own state's insurance department — every one publishes a licensee lookup showing whether that person is currently licensed in your state, which lines of authority they hold, and whether there is any disciplinary history.
- Confirm the line of authority. Someone licensed for life insurance is not thereby licensed for health. The lookup shows this.
What we will never do
- Claim to be licensed, or to be an insurance agency.
- Discuss specific policy terms, benefits or premiums with you ourselves.
- Publish a license number we cannot substantiate.
- Tell you a plan is right for you. Only a licensed agent can do that, and we are not one.
If anything on this site reads as though we are giving you a recommendation rather than an explanation, that is an error and we would like to know — see our corrections policy.
Common questions
Is CobraScout licensed to sell insurance?
No, and it does not need to be. CobraScout publishes information and connects callers to a licensed agency. We do not sell, solicit or negotiate insurance, and we do not discuss specific policy terms, benefits or premiums.
Who am I actually speaking to?
Clearline Health Insurance, National Producer Number 19024830 — check it yourself at nipr.com. Ask the individual agent for their own name and NPN at the start of the call as well: licenses are state-specific, and an agency holding one does not tell you whether the person on the phone is licensed where you live.
How do I verify a license myself?
Check the National Producer Number through the National Insurance Producer Registry at nipr.com, and check your own state insurance department's licensee lookup. Both are free and take about a minute.
Does a license mean the advice is good?
No. It means the person is authorized to sell insurance in that state and has met the state's requirements. It is a floor, not a guarantee — and it is worth checking anyway, because plenty of operations in this industry cannot clear it.
Is the agent licensed in my state?
Licenses are state-specific, so ask directly and verify through your own state's lookup rather than a national claim.
Talk it through with a licensed agent
Which option is right depends on your state, your income and which doctors you need to keep. A licensed agent can walk through it with you in about eight minutes.
Free to call, no obligation, and we never ask you for payment. CobraScout is paid by the agency that answers, not by you. TTY 711.
Sources
- 16 CFR Part 255 (FTC Endorsement Guides)
- 16 CFR Part 465 (FTC Rule on Consumer Reviews and Testimonials)
- 16 CFR Part 461 (FTC Rule on Impersonation of Government and Businesses)
- Google Search Central, Creating helpful, reliable, people-first content
- National Association of Insurance Commissioners, producer licensing
- National Insurance Producer Registry (nipr.com)