Vertical methodology · Insurance
Insurance Trust Hub methodology
How InsuranceTrustHub applies The Ask Trust Hub Standard to state-licensed insurance research — sources, verification, tools vs directory, cadence, and limits. Part of the Ask Trust Hub network — common ownership, separated research and listing order, no paid placements.
Florida insurance research, licensing & market data — DFS, OIR, MIR, and source-clock methodology.
Pipeline on this hub
- 1
SOURCE
Authoritative insurance sources
We prioritize state Department of Insurance (DOI) public license records and NAIC producer pathways where used. Educational premium ranges are labeled as estimates — never as binding quotes or regulatory status.
- 2
VERIFY
What “verified” means for agents & agencies
Where available, we match agent/agency names and license numbers to public DOI records and surface Active status and lines of authority when disclosed. We do not invent Active status, carrier appointments, or authority we did not check.
- 3
DISCLOSE
Limits and independence
We are not an insurance agency or carrier. We do not sell policies, issue free quotes as a brokerage, or accept paid placements. Calculators and guides are educational. Always re-check licenses on the official state DOI site before purchasing coverage.
- 4
SCORE
No decorative universal rankings
Directory ordering is not sold. Research signals are aids — not underwriting decisions or carrier recommendations.
- 5
UPDATE
Cadence and corrections
License data and profiles can change. Corrections reported by agencies or consumers are reviewed through our contact process. Public records may still lag reality.
- 6
YOU DECIDE
Confirm with regulators and licensed professionals
Use this hub to research. Confirm producer licenses and policy terms with the state DOI / NAIC pathways and the licensed professional before you bind coverage.
What “verified” means here
- State DOI license number and Active / inactive status when the portal exposes it
- Legal or DBA name matching against public records where possible
- Lines of authority / license types when disclosed
- NPN / NAIC references as secondary identity anchors
Tools vs directory
Directory
Research licensed agents and agencies. Ordering is not sold. Identity and license context come from public sources where available.
Calculators & guides
Educational estimates and explainers (ACA, Medicare, cost tools). Not plan enrollment, not binding quotes, and not underwriting decisions.
Data sources
State DOI public license databases
Primary source for producer and agency license status, lines of authority, and jurisdiction when publicly available.
NAIC / NPN pathways
Coordinating references for multi-state producer identity where used — always secondary to the state’s own record.
CMS Marketplace API (ACA Coverage Intelligence)
Plan search, provider network, formulary, and OOPC fields when configured. Flagship local landscape research (/tools/marketplace-plan-research), Plan Explorer, Plan X-Ray, county ACA snapshots, and carrier ACA rollups. Fail closed when data is missing — no invented premiums or matches. Not an eligibility determination or enrollment site.
CMS Medicare extracts (Medicare Intelligence)
CPSC enrollment by county/contract and Star Ratings complaint measures (C28/D02) for Plan Complaint Index, county Medicare dashboards, contract pages, and carrier Medicare rollups. Vintages labeled on each surface.
Public complaint / regulatory actions
Only when we actually incorporate an attributable public source (e.g. CMS complaint index for Medicare research).
Educational reference ranges
Premium, subsidy, and needs tools use public program rules and labeled assumptions. Outputs are not quotes, eligibility determinations, or enrollment.
Update cadence
Profile and directory data refresh as source systems and editorial workflows allow. Always re-verify on the official DOI portal before purchasing a policy.
Limitations
- State portals differ in completeness, update frequency, and public field availability.
- A listing is not a recommendation, endorsement, or guarantee of claims service.
- We do not underwrite, sell policies, bind coverage, or place carrier appointments for you.
- Medicare, ACA, and other tools are educational — program rules change and personal eligibility varies.
- Modeled cost estimates must never be treated as carrier-bound rates.
- Coverage Intelligence pages (county, contract, carrier) are not complete national inventories and are not official CMS tools.
- We do not operate a “free insurance quotes” lead marketplace; research and verification only.
- Seed or incomplete agency listings are never treated as verified indexable research inventory.
Verify with the primary regulator
Independent directory. Not affiliated with any insurance carrier, agency, or agent. All information is for research purposes only. Always verify licensing directly with your state's Department of Insurance, NAIC, or official sources before engaging any provider.