Scams

Unauthorized Marketplace Enrollment in St. Johns

The Department of Financial Services received a complaint from a Saint Johns County woman who's husband was enrolled in an unauthorized marketplace health insurance plan without their consent. The agency and broker were unable to provide documentation of consent for the plan enrollment.

Unlicensed Insurance Agency

A consumer reported to the Department of Financial Services that they signed up for an insurance plan in August of 2024 through an insurance agency but the consume states that the agency was not licensed to conduct business in Florida. Always verify licensure of insurance companies by visiting the Florida Department of Financial Services website at https://licenseesearch.fldfs.com/.

Senior on Medicaid Enrolled in Unauthorized Marketplace Plan

The Department of Financial Services received a report that a Volusia County senior citizen was enrolled in an unauthorized Marketplace policy even though she was already on Medicaid. The enrolling documents contained multiple inaccuracies, and was unable to provide documentation of consent for the policy enrollment. The policy was later terminated and the insurance agent was given a Notice of Action letter. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Unapproved Marketplace Plan

A consumer reported that when filing taxes, they found someone had applied for a healthcare marketplace plan using their personal information. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Unauthorized Life Insurance Policy

The Department of Financial Services received a complaint from a consumer whoe received a letter regarding a new life insurance policy that he did not apply for. The policy documents had several inaccuracies including the consumer's address and the policy beneficiary was listed as his spouse when they were unknown to him. The company canceled the policy in response to the Department's inquiry. If you feel you have been illegally enrolled in a life insurance policy, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Public Adjuster Fradulently Witheld Appraisal Award Payments

The Department of Financial Services received a complaint from an insurance consumer regarding a public adjuster fraudulently withholding more than $42,000 awarded by the insurance company for a homeowner's insurance claim. After the contact they issued payment to the insured of only $27,000. The public adjuster listed several questionable fees covering the difference and was unable to provide evidence of having contacted the insured. After contacting the Department, the consumer received full payment of the insurance claim for repairs on their home. If you need assistance with an insurance claim, please contact the Florida Department of Financial Services at 1-877-MY-FL-CFO (693-5236).

Company Contacted Consumer About Unauthorized Life Insurance Policy

A consumer was contacted by an insurance company regarding an unauthorized life insurance policy enrollment in his name. After reporting it to the Department of Financial Services, the insurance company canceled the policy and terminated the appointment of the broker. If you feel you have been enrolled in an unauthorized life insurance policy, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

  • Date Reported: Aug 21, 2025
  • County/Counties Where Scam Occured:
  • Type of Scam: Insurance - Life

First Responders Sold Unlicensed Insurance Plan

The Florida Department of Financial Services received a request for assistance for insurance claim processing. The plan was marketed to retired first responders, however the company did not respond to multiple contact attempts from the consumer. The company issuing the plans was discovered to be unlicensed. Always verify the license of an insurance agent or company by visiting https://licenseesearch.fldfs.com/.

Missappropriated Settlement Funds

A Marion County woman reported a public adjuster has stolen her portion of a settlement check. The woman endorsed the check that had been given to the adjuster expecting her portion of the payout to be deposited in her bank account but it never has and now the adjuster has left the agency they were working with while being unresponsive to the woman's attempts to contact her.

Agent Signed Up Consumer For Life Insurance Policies Without Consent

A Palm Beach county woman contacted the Department of Financial Services about two life insurance policies under her name and her husband's name. Both policies were purchased without their consent. After contacting the Department, the insurance company canceled both policies and issued a premium refund. If you feel you have been enrolled in a life insurance policy without your authorization, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Claims Consultant Preforming Public Adjuster Services Without a License

The Florida Department of Financial Services received a report that an individual identifying themselves as a "claims consultant" was performing services consistent with a public adjuster without a license. Included in these services were analysis and submission of claims documentation and sending "adjuster" estimates. Always verify the licensure of a public adjuster by visiting the Department's website at https://licenseesearch.fldfs.com/.

Fradulent Marketplace Policy Enrollment with Suspicious Voice Consent Recording

The Department of Financial Services received a report from a consumer that he was signed up for a Marketplace policy without his consent. He already has insurance through his union policy, and has not spoken with any agents. The insurance agency provided an audio recording of consent which included several oddities and may have been an AI impersonation. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Consumer Enrolled in Unauthorized Marketplace Plan

A Palm Beach County woman contacted the Florida Department of Financial Services about an unauthorized marketplace plan. She was already on Medicaid and did not consent to enrollment in the Healthcare Marketplace Plan. The agent did not follow proper consent procedures and their affiliation with the company was terminated. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Agent With Over 3,700 Complaints Misleads Consumer Into Plan Enrollment

The Department of Financial Services was contacted by a consumer regarding an unauthorized Marketplace enrollment. They advised the Department that they were misled that the policy was a free insurance product. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Insurance Agent Fradulently Changes Agent of Record Information for 45 Policies

The Department of Financial Services received a report from an Orange County resident that their insurance coverage had been changed to a different agent of record without their consent. The consumer reported that 45 of their clients had been incorrectly changed to the same new agent of record. The new agent of record could not provide a recording or consent documentation for the change. If you feel you have been impacted by this scheme or something similar, contact the Florida Department of Financial Services at 1-877-MY-FL-CFO (693-5236).

Insurance Agent Sets Up Unauthorized Policy with False NPN

The Department of Financial Services received a report from a consumer was enrolled in an individual marketplace policy despite having group coverage through their employer. The agent was using a different agent's NPN because the enrolling agent did not have proper appointments. The policy was canceled by the company retroactively. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

Georgia Woman Reported an Unauthorized Florida Marketplace Enrollment

The Department of Financial Services received a report from a Georgia woman that she was enrolled in a Florida Marketplace Plan without her consent. The company confirmed that the allegations were substantiated in their internal review and referred the agent for disciplinary action. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

  • Date Reported: Mar 19, 2025
  • County/Counties Where Scam Occured:
  • Type of Scam: Insurance - Health

Insurance Agent Scams Consumer Into Health Insurance Policy

The Department of Financial Services received a report of a Leon County woman who felt she was scammed into agreeing to a new and unneeded health insurance policy after being approached by an insurance agent claiming to work for her insurance company. The consumer has insurance through her employer but the agent said he could get her a discount on her plan and took her information. He did not contact her again and when completing her taxes she found the information had been used to open a policy in her name. If you feel you have been enrolled in an unauthorized life or health insurance policy, contact the Florida Department of Financial Services at 1-877-MY-FL-CFO (693-5236).

Insurance Agency Operating without Valid License

The Florida Department of Financial Services was contacted regarding a company that issued a commercial Farm policy to a consumer, but did not respond to a claim following Hurricane Helene damage. When the consumer provided declaration pages showing company names, it was discovered that none of the names involved had Florida company codes or licenses. Always verify the license of an insurance agent by visiting the Department's website at https://licenseesearch.fldfs.com/.

Agent with Multiple Complaints Enrolled Consumer in Unauthorized Plan

The Department of Financial Services received a complaint from a Pasco County woman who was enrolled in a plan in May of 2024 with a consent form signed in February of 2024. The consent form had several problems with incorrect information and the time of signature was suspect. The agent has had over 180 prior substantiated complaints. If you feel you have been illegally enrolled in a Marketplace Health Plan, contact the Florida Department of Financial Services immediately at 1-877-MY-FL-CFO (693-5236).

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