Terms of Service

Agent on Record LLC provides a done-for-you profile hosting service for licensed life and health insurance producers. We build a public profile page from information you supply, host it at an agentonrecord.com address, and provide related features according to your plan (Starter, Professional, or Agency). By creating an account or submitting an application, you agree to these terms.

Agent on Record is a marketing and hosting platform. We are not an insurance company, agency, or producer, we do not sell insurance, and we are not affiliated with NIPR, NAIC, or any state insurance department.

The service is available only to individuals who hold an active insurance producer license in at least one U.S. state, and to agencies whose listed agents hold active licenses. We may decline or remove any profile if we cannot reasonably confirm a valid NPN in public producer records.

Each plan has a one-time setup fee and a recurring monthly subscription, billed in advance through Stripe. Agency plans are billed per active agent profile per month. Prices are posted on our pricing page and may change with at least 30 days' notice; changes never apply retroactively to fees already paid. If a subscription payment fails and is not cured within 14 days, we may suspend the profile until payment resumes.

Setup fees are refundable in full if you cancel before we begin building your profile. Once your profile has been built, setup fees are not refundable. Monthly subscription fees are not prorated or refunded for partial months; cancel any time before your renewal date to avoid the next charge.

• Provide accurate, current information, including your NPN, license states, license types, and carrier appointments
• Update us promptly when your license status, states, or appointments change
• Maintain any license, appointment, and continuing education requirements that apply to you; we do not monitor these for you
• Submit only testimonials given with the client's permission, and comply with your states' rules on testimonial use in insurance advertising
• Ensure your bio and profile content comply with applicable insurance advertising regulations in every state where you use the profile

You are solely responsible for the accuracy and regulatory compliance of the content on your profile. You agree to indemnify Agent on Record against claims arising from inaccurate information you supplied or from your sale of insurance products.

• Misrepresenting your identity, license status, appointments, or qualifications
• Creating a profile for another person without their authorization
• Publishing false, fabricated, or unauthorized testimonials
• Making rate guarantees, misleading claims, or statements that violate insurance advertising law
• Using the platform to collect Social Security numbers, health information, or other sensitive data from consumers
• Attempting to interfere with, scrape at scale, or reverse engineer the platform

You may cancel your subscription at any time, effective at the end of the current billing period, after which your profile is unpublished. We may suspend or terminate a profile immediately if the producer's license is revoked or surrendered, if the account violates these terms, if information on the profile is materially false, or if required by a regulator or court. Where practical, we will notify you and give you an opportunity to cure before termination.

You retain ownership of the content you submit and grant us a license to host, display, format, and enhance it (including AI enhancement of your headshot) for the purpose of providing the service. The Agent on Record name, badge, design, and platform remain our property, and your right to display the badge ends when your subscription ends.

The service is provided “as is.” We do not guarantee specific business results, search rankings, lead volume, or uninterrupted availability. To the maximum extent permitted by law, our total liability for any claim arising from the service is limited to the amounts you paid us in the 12 months before the claim arose, and we are not liable for indirect, incidental, or consequential damages.

These terms are governed by the laws of the State of Michigan, without regard to conflict of law principles. Any dispute will be brought in the state or federal courts located in Michigan, and both parties consent to their jurisdiction.

Questions about these terms: realmattallison@gmail.com