FreedInsure Agent Licenses: Every State License, Ready to Verify

Is FreedInsure's Agent Licensed?

Yes. FreedInsure LLC sells through licensed producer Constantino Lardi, NPN 20230457, who holds Life and Health licenses in 42 jurisdictions: 41 states and Washington, DC. New York is his resident (home) state; the other 41 are non-resident licenses. Every license number on this page comes from his National Insurance Producer Registry (NIPR) Producer Database report dated September 9, 2026.

The 42 jurisdictions where our agent is licensed

Alabama, Alaska, Arizona, Arkansas, California, Delaware, District of Columbia (Washington, DC), Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York (resident), North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin and Wyoming.

License details reflect the NIPR report dated September 9, 2026. Licenses renew on each state's own schedule, so the state's lookup is the live record; if it ever differs from this page, the state's record controls. We publish only each license's state, number, resident or non-resident type and lines of authority.

Published by Constantino Lardi, licensed insurance producer, NPN 20230457 • Licensed in 42 jurisdictions • FreedInsure LLC • (844) 788-3733

Last updated: October 7, 2026

How to Verify Any Insurance Agent's License

Check the agent, not the ad. Every licensed producer has a National Producer Number (NPN), and state insurance regulators offer public license lookups. Use these steps for us or for anyone else who contacts you about coverage.

1. Ask for the agent's full name and NPN. NIPR says NPNs are assigned to individuals and business entities in its national Producer Database. Start with the NPN lookup in NIPR's Licensing Center.
2. Search your state's lookup. Use the insurance regulator's lookup for the state where you live: the links in the table above cover our 42 jurisdictions, and many states use the NAIC's shared license lookup. For other states, start at your state insurance department's website.
3. Check three things. The license is active, it's for your state (a non-resident license counts) and it carries the right line of authority: a health line for health coverage, Life for life insurance.
4. For Marketplace plans, use official channels. CMS tells consumers to use trusted, official sources such as Find Local Help on HealthCare.gov or the Marketplace Call Center at 1-800-318-2596.
5. Be wary of freebies. CMS warns that health insurance ads offering cash, gifts or other perks could be a scam, and that you shouldn't give out personal information that might be used without your consent.

How We Handle Your Consent

A licensed FreedInsure agent documents your consent before helping you apply for, enroll in or change Marketplace coverage. CMS's consumer alert puts it plainly: agents and brokers “must get your permission when signing you up or making changes to your insurance plan.”

In states that use HealthCare.gov, the federal rule (45 CFR 155.220(j)(2)(iii)) spells out what that consent record must show:

• What you agreed to: the scope, purpose and duration of your consent, and the date you gave it.
• Who's involved: your name (or your authorized representative's) and the name of the agent, broker or agency you're authorizing.
• How to take it back: a process you can use to rescind your consent.
• How it's captured: an action you take that creates a record. For coverage years ending before 2028, that can be a signature, a verbal confirmation captured in an audio recording, or a reply to a message from the agent; starting with 2028 coverage, you give consent on a consent form created and approved by HHS. Agents must keep that record for at least 10 years.

The same rule says the email address, phone number and mailing address on your application must be yours, not the agent's, and that you, not the agent, calculate and confirm your household income estimate; an agent can answer your questions about what counts as income. In states that run their own exchange, that exchange's rules apply.

Contact FreedInsure

FreedInsure LLC is an independent insurance agency in Shrewsbury, New Jersey. Our help is free to you, and we compare 14+ carriers where our agent is licensed.

Talk to a Licensed Agent

A licensed agent compares the coverage we can offer in your state, including ACA Marketplace plans where we sell them. Free, no obligation.