Compliance & Transparency
Licensing Information
VeraLife Insurance Group operates as a licensed independent insurance agency. Below are our credentials, regulatory disclosures, and the rights you have as a consumer.
Agency NPN
21426840
Licensed States
Active in multiple states (see below)
Carrier Rating Standard
A-rated only
Education First
No commission-driven recommendations
Agency Credentials
- Legal Entity
- VeraLife Insurance Group
- Agency NPN (National Producer Number)
- 21426840
- Principal Agent
- Kerlan Lovell
- Mailing Address
- Albany, NY 12207
- info@veralifeig.com
- Phone
- (888) 401-6369
State Licensing
We maintain active producer licenses in the states where we serve clients. To verify our license in your state, contact your state's Department of Insurance and search by NPN 21426840 or by agent name.
Not licensed in your state? Contact us — we can often connect you with a vetted partner.
How to Verify Our License
Visit your state's Department of Insurance website.
Find the producer/agent license search tool.
Search by NPN: 21426840 or by name: VeraLife Insurance Group.
Confirm active status, license number, and lines of authority.
Regulatory Disclosures
Independent agency status. We are an independent insurance agency. We are not employed by, owned by, or exclusively contracted to any single insurance carrier. We shop multiple A-rated carriers on your behalf.
Compensation. VeraLife earns commission from the carrier when a policy is issued. Commissions vary by carrier and product but never affect the price you pay — premiums are filed and approved by state insurance regulators.
No advice. Information on this site is educational and not insurance advice or a recommendation to buy a specific policy. Coverage availability, premiums, and underwriting decisions vary by state, carrier, and applicant. A licensed insurance professional will review your specific situation.
No client relationship from web use. No client relationship is formed by use of this website or any calculator. A professional relationship is established only through a signed engagement or insurance application submitted to a carrier.
No VA endorsement. VeraLife Insurance Group is not connected with or endorsed by the U.S. Department of Veterans Affairs or any government entity. Our veteran-owned status is a business designation, not an indication of government affiliation.
No medical advice. Information related to underwriting, health classes, or medical conditions is general and not medical advice. Consult a qualified healthcare provider for personal medical questions.
Your Consumer Rights
Right to a free quote with no obligation.
Right to a free-look period after policy issue (10–30 days depending on state).
Right to receive a full copy of your policy.
Right to file a complaint with your state Department of Insurance.
Right to know all commissions and fees on your policy.
Privacy & Data Handling
We do not sell your information to third parties. Your data is used only to prepare quotes, complete underwriting, and service your policy. See our Privacy Policy for full details.
Have a question about our licensing or how we work?
We're happy to walk you through anything on this page.