Licensing Information

Union Point Insurance Agency LLC is a licensed insurance agency committed to providing education-first guidance on life insurance products. We operate under the marketing brand UPointLife.com to help individuals and families understand their life insurance options.

Our agency works with multiple insurance carriers to offer a variety of life insurance products, ensuring we can help match you with coverage that fits your unique needs and circumstances.

Union Point Insurance Agency LLC is licensed to conduct insurance business in the following states. License numbers and status are subject to verification with each state's Department of Insurance.

Currently Licensed States

We maintain active insurance licenses in multiple states across the United States. Our licensing allows us to offer life insurance products and provide guidance to residents of these states.

• Massachusetts — License #12345678
• Connecticut — License #23456789
• New Hampshire — License #34567890
• Rhode Island — License #45678901
• Maine — License #56789012
• Vermont — License #67890123
• New York — License #78901234
• New Jersey — License #89012345
• Pennsylvania — License #90123456
• Florida — License #01234567

If your state is not listed above, please contact us to inquire about our ability to assist you or to be connected with a licensed professional in your area.

All insurance producers (agents) affiliated with Union Point Insurance Agency LLC hold valid state licenses for the lines of insurance they sell. Our producers are required to:

• Maintain active licenses in good standing with applicable state insurance departments
• Complete all required continuing education courses
• Adhere to ethical standards and best practices in the insurance industry
• Act in the best interest of clients when recommending insurance products
• Provide accurate and transparent information about coverage options

You may verify the license status of any insurance producer through your state's Department of Insurance website or by contacting us directly.

Union Point Insurance Agency LLC maintains appointments with multiple A-rated insurance carriers. These appointments allow us to offer a diverse range of life insurance products, including:

• Term Life Insurance
• Whole Life Insurance
• Universal Life Insurance
• Final Expense Insurance
• Mortgage Protection Insurance
• Guaranteed Issue Life Insurance

Our carrier relationships enable us to compare options from multiple insurers to help find coverage that aligns with your needs and budget. All carriers we work with are licensed and regulated by state insurance departments.

We are committed to full compliance with all applicable federal and state insurance regulations. Our compliance practices include:

• Adherence to state insurance codes and regulations
• Compliance with the National Association of Insurance Commissioners (NAIC) guidelines
• Following anti-money laundering (AML) requirements
• Maintaining proper records and documentation
• Implementing privacy and data security measures
• Regular compliance training for all staff and producers

As a licensed insurance agency, we are subject to regulatory oversight designed to protect consumers. These protections include:

• Free Look Period: Most life insurance policies include a free look period (typically 10-30 days) during which you can cancel the policy for a full refund
• Disclosure Requirements: We are required to provide clear information about policy terms, costs, and limitations
• Complaint Resolution: You have the right to file complaints with your state's Department of Insurance
• Errors & Omissions Insurance: Our agency maintains E&O coverage to protect clients
• Fiduciary Responsibility: Our producers are obligated to act in your best interest

We encourage consumers to verify the licensing status of any insurance agency or producer before doing business. You can verify our licenses through the following methods:

• NAIC Consumer Information Source (CIS): Visit naic.org/cis to search for producer and agency information
• State Department of Insurance: Contact your state's insurance department directly
• Contact Us: Request license verification information by emailing licensing@upointlife.com

State Insurance Department Resources

Each state maintains a Department of Insurance that regulates insurance activities and protects consumers. These departments can provide license verification, handle complaints, and answer questions about insurance regulations in your state.

Our commitment to professional excellence includes ongoing education. All licensed producers affiliated with our agency are required to:

• Complete state-mandated continuing education hours
• Stay current on industry developments and product changes
• Participate in ethics training
• Maintain knowledge of regulatory updates
• Pursue professional designations and certifications

If you have a concern or complaint about our services, we encourage you to contact us directly so we can address the issue promptly. You may also file a complaint with your state's Department of Insurance.

Contact Us First

We take all concerns seriously and strive to resolve issues quickly. Please reach out to us at:

• Email: complaints@upointlife.com
• Phone: (555) 123-4567
• Mail: Union Point Insurance Agency LLC, Attn: Compliance, 123 Main Street, Suite 100, Boston, MA 02101

State Insurance Department

You have the right to file a complaint with your state's Department of Insurance at any time. They can investigate concerns related to licensing, sales practices, claims handling, and other insurance matters.

Licensing information on this page is updated periodically. For the most current information about our licenses, appointments, or to verify specific details, please contact us directly at licensing@upointlife.com.