Affordable health, life & final expense coverage for families, self-employed & small businesses in 18 states
Dental & visionLife insuranceFinal expense+7 more
- Licensed in
- ARAZFLGAIAILINMIMSNCOKTXMTDEMDNVWYLA
Verified license
ContactUnclaimed · public records
Charlotte Raff Santa Cruz
- Bay St Louis, MS
- Texas non-resident license
Contact Charlotte, free
Your details stay with MeetBrokers until Charlotte claims this page.
License facts
From public licensing records. You can confirm any of it on the state agent lookup.
- Texas license number
- 1097912
- License status
- Active
- License type
- Texas non-resident license
- Licensed since
- 2001
- License expires
- December 31, 2027
- National Producer Number
- 4012822 Verify on NIPR
- Last checked
- October 25, 2026
Coverage types on record
Worked out from the carriers Charlotte is appointed with. Ask the agent which plans they actually offer in your county.
- Medicare Advantage
- Medicare Supplement (Medigap)
- Medicare Part D
- Small business / group health
- Dental & vision
- Life insurance
- Annuities
- Disability
Carrier appointments
Public licensing records list 10 active carrier appointments for Charlotte. An appointment means the carrier has authorized the agent to sell its plans. It says nothing about which plans the agent recommends, and it is not a rating.
Carrier groups
- UnitedHealthcare(3)
- Allstate
- Guardian
- Lincoln Financial
- ManhattanLife
- Trustmark
- and 2 other companies
By coverage type
Medicare Advantage
- UnitedHealthcare Benefits of Texas, Inc.since 2015
- UnitedHealthcare Insurance Companysince 2015
- UnitedHealthcare of Texas, Inc.since 2015
Medicare Supplement (Medigap)
- ManhattanLife Insurance and Annuity Companysince 2008
- UnitedHealthcare Insurance Companysince 2015
Medicare Part D
- UnitedHealthcare Insurance Companysince 2015
Small business / group health
- American Heritage Life Insurance Companysince 2008
- Trustmark Insurance Companysince 2021
- UnitedHealthcare Insurance Companysince 2015
- UnitedHealthcare of Texas, Inc.since 2015
Dental & vision
- American Heritage Life Insurance Companysince 2008
- Guardian Life Insurance Company of America, Thesince 2007
- ManhattanLife Insurance and Annuity Companysince 2008
Life insurance
- American Heritage Life Insurance Companysince 2008
- Guardian Life Insurance Company of America, Thesince 2007
- Lincoln National Life Insurance Company, Thesince 2026
- ManhattanLife Insurance and Annuity Companysince 2008
- Trustmark Insurance Companysince 2021
Annuities
- Guardian Life Insurance Company of America, Thesince 2007
- Lincoln National Life Insurance Company, Thesince 2026
Disability
- American Heritage Life Insurance Companysince 2008
- Guardian Life Insurance Company of America, Thesince 2007
- Trustmark Insurance Companysince 2021
All 10 appointments on record
- American Heritage Life Insurance Companysince 2008
Life, accident & health · Allstate group · also known as Allstate Benefits
- Guardian Life Insurance Company of America, Thesince 2007
Life, accident & health · Guardian group
- Lincoln National Life Insurance Company, Thesince 2026
Life, accident & health · Lincoln Financial group
- ManhattanLife Insurance and Annuity Companysince 2008
Life, accident & health · ManhattanLife group · also known as Central United Life Insurance Company
- National Pacific Dental, Inc.since 2015
Life, accident & health
- Pacificare Life and Health Insurance Companysince 2015
Life, accident & health
- Trustmark Insurance Companysince 2021
Life, accident & health · Trustmark group
- UnitedHealthcare Benefits of Texas, Inc.since 2015
Life, accident & health · UnitedHealthcare group
- UnitedHealthcare Insurance Companysince 2015
Life, accident & health · UnitedHealthcare group · also known as AARP Medicare Supplement, AARP MedicareRx
- UnitedHealthcare of Texas, Inc.since 2015
Life, accident & health · UnitedHealthcare group
Where this information comes from
License and appointment facts come from public licensing records, last checked on October 25, 2026. MeetBrokers adds nothing about the agent's skill, service, or plans. The agent has not reviewed this page. Read our editorial policy.
Questions about Charlotte's license
Is Charlotte Raff Santa Cruz a licensed insurance agent in Texas?
Public licensing records list license 1097912 with a status of "Active", first issued in 2001, expiring December 31, 2027. We last checked the record against public licensing records on October 25, 2026. A license means the state allows the agent to sell insurance; it is not an endorsement.
How do I verify this license myself?
Search the state's insurance agent lookup by name or license number 1097912, or look up National Producer Number 4012822 on the NIPR website. Both are free and show the current status.
What does a carrier appointment mean?
An appointment is the insurance carrier's authorization for the agent to sell its products in Texas. Records show 10 appointments for Charlotte. It does not tell you which plans the agent will recommend, and it is not a rating.
Does it cost anything to contact Charlotte?
No. Licensed agents are paid by the insurance carrier when you enroll, and your premium is the same whether you use an agent or not. MeetBrokers does not charge you either.
What does "unclaimed profile" mean?
This page was built from public licensing records. Charlotte Raff Santa Cruz has not reviewed it, and MeetBrokers has not spoken with them. Messages you send through the form are held until the agent verifies their identity. The agent can claim the page or ask us to remove it at any time.
Charlotte has not claimed this profile yet. We'll show them your first name, town, and message so they know the request is real. Your phone and email go to them only after they confirm it's them.
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