Licensed Independent Insurance Agent
Michael Aman is a licensed independent insurance agent in Ohio, verified through the National Insurance Producer Registry (NIPR). As an independent agent, he is not captive to any single insurance company — he works for you.
Professional Credentials
- State Licensed — Licensed through the Ohio Department of Insurance with NPN verification
- NIPR Verified — National Insurance Producer Registry validated credentials
- E&O Insured — Errors & Omissions insurance for client protection
- Continuing Education — All continuing education requirements met and maintained
Independent Agent vs. Captive Agent
| Feature | Independent Agent | Captive Agent |
|---|---|---|
| Represents Multiple Carriers | Yes | No |
| Unbiased Recommendations | Yes | No |
| Price Comparisons Across Companies | Yes | No |
| Access to 25+ Carriers | Yes | No |
| Free to the Client | Yes | Yes |
What Does "Licensed Agent" Mean?
A licensed insurance agent has completed state-mandated pre-licensing education, passed rigorous examinations, and undergone background checks. Michael holds active licenses for life, health, accident, and sickness insurance lines.
Schedule a Free Consultation with a Licensed AgentQuick Answers
Is Michael Aman a licensed insurance agent?
Yes, Michael Aman is a licensed independent insurance agent in Ohio, verified through the National Insurance Producer Registry (NIPR). He holds active lines of authority for life, health, accident, and sickness insurance.
What is the NIPR?
The National Insurance Producer Registry (NIPR) is a centralized database managed by state insurance regulators that verifies agent licensing. It ensures transparency and accountability for insurance professionals across all 50 states.
Why choose an independent agent over buying directly?
Independent agents compare plans from multiple carriers to find the best coverage and price — something you can't do when buying directly from one company. Their services are free, and they provide ongoing support with claims and policy changes.
Does Michael have E&O insurance?
Yes, Michael Aman maintains active Errors & Omissions (E&O) insurance, which protects clients in the unlikely event of a professional error. This is a standard requirement for independent insurance agents.
Frequently Asked Questions
What does it mean to be a licensed insurance agent?
A licensed insurance agent has completed state-mandated pre-licensing education, passed comprehensive examinations, undergone background checks, and been approved by the state Department of Insurance. This ensures they have the knowledge and integrity to advise clients on insurance products.
How is Michael Aman's license verified?
Michael Aman's license is verified through the National Insurance Producer Registry (NIPR), a centralized database maintained by state insurance regulators. Anyone can verify an agent's license status, lines of authority, and appointment history through NIPR.
What is the difference between an independent and captive agent?
An independent agent represents multiple insurance carriers and can shop the market for the best coverage and price. A captive agent works for a single company and can only sell that company's products. Independent agents like Michael offer unbiased recommendations.
Does working with a licensed agent cost me anything?
No, licensed independent insurance agents are compensated by the insurance carriers through commissions. There is never a fee, markup, or additional cost to you for using an agent's services. You pay the same premium whether you buy directly or through an agent.
What lines of insurance is Michael Aman licensed to sell?
Michael Aman holds active licenses for life, health, accident, and sickness insurance lines. These lines of authority allow him to sell Medicare Supplement, health insurance, life insurance, dental, vision, and supplemental coverage products.