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
Joseph Michael Karam
- Clinton Township, MI
- Texas non-resident license
Contact Joseph, free
Your details stay with MeetBrokers until Joseph claims this page.
License facts
From public licensing records. You can confirm any of it on the state agent lookup.
- Texas license number
- 1948007
- License status
- Active
- License type
- Texas non-resident license
- Licensed since
- 2014
- License expires
- August 31, 2027
- National Producer Number
- 9931349 Verify on NIPR
- Last checked
- November 1, 2026
Coverage types on record
Worked out from the carriers Joseph is appointed with. Ask the agent which plans they actually offer in your county.
- Medicare Advantage
- Medicare Supplement (Medigap)
- Medicare Part D
- ACA / Marketplace plans
- Short-term health
- Small business / group health
- Dental & vision
- Life insurance
- Final expense
- Annuities
- Disability
Carrier appointments
Public licensing records list 55 active carrier appointments for Joseph. 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
- Aetna(8)
- UnitedHealthcare(8)
- Centene(7)
- Humana(5)
- Cigna(2)
- Elevance Health(2)
- HCSC(2)
- Ameritas
- CHRISTUS
- CNO Financial
- Corebridge Financial
- ManhattanLife
- Molina
- Oscar
- Prudential
- Renaissance
- Transamerica
- and 11 other companies
By coverage type
Medicare Advantage
- Aetna Health Inc.since 2014
- Aetna Health Insurance Companysince 2014
- Aetna Life Insurance Companysince 2014
- Care Improvement Plus South Central Insurance Companysince 2021
- CHRISTUS Health Plansince 2019
- Cigna Health and Life Insurance Companysince 2015
- Cigna HealthCare of Texas, Inc.since 2015
- Emphesys Insurance Companysince 2025
- Health Care Service Corporation, a Mutual Legal Reserve Companysince 2014
- Humana Insurance Companysince 2021
- Humana Insurance Company of Kentuckysince 2022
- Molina Healthcare of Texas, Inc.since 2016
- Physicians Health Choice of Texas, LLCsince 2021
- SelectCare of Texas, Inc.since 2023
- Sierra Health and Life Insurance Company, Inc.since 2021
- Superior HealthPlan, Inc.since 2021
- UnitedHealthcare Benefits of Texas, Inc.since 2021
- UnitedHealthcare Community Plan of Texas, L.L.C.since 2021
- UnitedHealthcare Insurance Companysince 2021
- UnitedHealthcare of Texas, Inc.since 2021
- WellCare National Health Insurance Companysince 2023
- WellCare of Texas, Inc.since 2022
- Wellpoint Insurance Companysince 2020
- Wellpoint Texas, Inc.since 2020
Medicare Supplement (Medigap)
- Aetna Health and Life Insurance Companysince 2022
- Aetna Life Insurance Companysince 2014
- Cigna Health and Life Insurance Companysince 2015
- Continental Life Insurance Company of Brentwood, Tennesseesince 2015
- Health Care Service Corporation, a Mutual Legal Reserve Companysince 2014
- Humana Insurance Companysince 2021
- Humana Insurance Company of Kentuckysince 2022
- Loyal American Life Insurance Companysince 2016
- ManhattanLife Insurance and Annuity Companysince 2014
- Transamerica Life Insurance Companysince 2020
- UnitedHealthcare Insurance Companysince 2021
- Washington National Insurance Companysince 2016
Medicare Part D
- Cigna Health and Life Insurance Companysince 2015
- Health Care Service Corporation, a Mutual Legal Reserve Companysince 2014
- Humana Insurance Companysince 2021
- Humana Insurance Company of Kentuckysince 2022
- Sierra Health and Life Insurance Company, Inc.since 2021
- Silverscript Insurance Companysince 2022
- UnitedHealthcare Insurance Companysince 2021
- WellCare Prescription Insurance, Inc.since 2023
ACA / Marketplace plans
- Aetna Health Inc.since 2014
- Ambetter Health Plan of Texassince 2026
- Celtic Insurance Companysince 2016
- CHRISTUS Health Plansince 2019
- Cigna Health and Life Insurance Companysince 2015
- Health Care Service Corporation, a Mutual Legal Reserve Companysince 2014
- Molina Healthcare of Texas, Inc.since 2016
- Oscar Insurance Companysince 2017
- Superior HealthPlan, Inc.since 2021
- UnitedHealthcare of Texas, Inc.since 2021
Short-term health
- Golden Rule Insurance Companysince 2014
Small business / group health
- Aetna Health Inc.since 2014
- Aetna Health Insurance Companysince 2014
- Aetna Life Insurance Companysince 2014
- Cigna Health and Life Insurance Companysince 2015
- Cigna HealthCare of Texas, Inc.since 2015
- Emphesys Insurance Companysince 2025
- Health Care Service Corporation, a Mutual Legal Reserve Companysince 2014
- Humana Insurance Companysince 2021
- UnitedHealthcare Insurance Companysince 2021
- UnitedHealthcare of Texas, Inc.since 2021
Dental & vision
- Aetna Health and Life Insurance Companysince 2022
- Aetna Life Insurance Companysince 2014
- Ameritas Life Insurance Corp.since 2019
- Continental Life Insurance Company of Brentwood, Tennesseesince 2015
- Denticare, Inc.since 2022
- Golden Rule Insurance Companysince 2014
- Humana Insurance Companysince 2021
- HumanaDental Insurance Companysince 2022
- ManhattanLife Insurance and Annuity Companysince 2014
- Renaissance Life & Health Insurance Company of Americasince 2022
Life insurance
- American General Life Insurance Companysince 2016
- Ameritas Life Insurance Corp.since 2019
- Loyal American Life Insurance Companysince 2016
- ManhattanLife Insurance and Annuity Companysince 2014
- Pruco Life Insurance Companysince 2017
- Transamerica Life Insurance Companysince 2020
- Washington National Insurance Companysince 2016
Final expense
- Aetna Health and Life Insurance Companysince 2022
- Continental Life Insurance Company of Brentwood, Tennesseesince 2015
- Loyal American Life Insurance Companysince 2016
- Transamerica Life Insurance Companysince 2020
Annuities
- American General Life Insurance Companysince 2016
- Pruco Life Insurance Companysince 2017
- Transamerica Life Insurance Companysince 2020
Disability
- Ameritas Life Insurance Corp.since 2019
- Washington National Insurance Companysince 2016
All 55 appointments on record
- Aetna Better Health of Kansas Inc.since 2022
Life, accident & health · Aetna group
- Aetna Better Health of Texas Inc.since 2022
Life, accident & health · Aetna group
- Aetna Dental Inc.since 2014
Life, accident & health
- Aetna Health and Life Insurance Companysince 2022
Life, accident & health · Aetna group
- Aetna Health Inc.since 2014
Life, accident & health · Aetna group
- Aetna Health Insurance Companysince 2014
Life, accident & health · Aetna group
- Aetna Life Insurance Companysince 2014
Life, accident & health · Aetna group
- Ambetter Health Plan of Texassince 2026
Life, accident & health · Centene group
- American General Life Insurance Companysince 2016
Life, accident & health · Corebridge Financial group · also known as AIG Life & Retirement
- Ameritas Life Insurance Corp.since 2019
Life, accident & health · Ameritas group
- Care Improvement Plus South Central Insurance Companysince 2021
Life, accident & health · UnitedHealthcare group
- Celtic Insurance Companysince 2016
Life, accident & health · Centene group · also known as Ambetter
- CHA HMO, Inc.since 2021
Life, accident & health
- CHRISTUS Health Plansince 2019
Life, accident & health · CHRISTUS group
- Cigna Health and Life Insurance Companysince 2015
Life, accident & health · Cigna group
- Cigna HealthCare of Texas, Inc.since 2015
Life, accident & health · Cigna group
- Companion Life Insurance Companysince 2018
Life, accident & health
- Continental Life Insurance Company of Brentwood, Tennesseesince 2015
Life, accident & health · Aetna group
- Coventry Health and Life Insurance Companysince 2014
Life, accident & health
- Denticare, Inc.since 2022
Life, accident & health · Humana group
- Emphesys Insurance Companysince 2025
Life, accident & health · Humana group
- Golden Rule Insurance Companysince 2014
Life, accident & health · UnitedHealthcare group
- Health Care Service Corporation, a Mutual Legal Reserve Companysince 2014
Life, accident & health · HCSC group · also known as Blue Cross and Blue Shield of Texas, BCBSTX, HMO Blue Texas
- Humana Insurance Companysince 2021
Life, accident & health · Humana group
- Humana Insurance Company of Kentuckysince 2022
Life, accident & health · Humana group
- HumanaDental Insurance Companysince 2022
Life, accident & health · Humana group
- Lifesecure Insurance Companysince 2018
Life, accident & health
- Lifeshield National Insurance Co.since 2018
Life, accident & health
- Loyal American Life Insurance Companysince 2016
Life, accident & health · HCSC group · also known as Cigna Supplemental Benefits
- ManhattanLife Insurance and Annuity Companysince 2014
Life, accident & health · ManhattanLife group · also known as Central United Life Insurance Company
- Molina Healthcare of Texas, Inc.since 2016
Life, accident & health · Molina group
- North River Insurance Company, Thesince 2021
Life, accident & health
- Oscar Insurance Companysince 2017
Life, accident & health · Oscar group
- Pan-American Life Insurance Companysince 2026
Life, accident & health
- Physicians Health Choice of Texas, LLCsince 2021
Life, accident & health · UnitedHealthcare group
- Pruco Life Insurance Companysince 2017
Life, accident & health · Prudential group
- Renaissance Life & Health Insurance Company of Americasince 2022
Life, accident & health · Renaissance group
- Reserve National Insurance Companysince 2024
Life, accident & health
- SelectCare of Texas, Inc.since 2023
Life, accident & health · Centene group
- Sierra Health and Life Insurance Company, Inc.since 2021
Life, accident & health · UnitedHealthcare group
- Silverscript Insurance Companysince 2022
Life, accident & health · Aetna group
- Standard Life and Accident Insurance Companysince 2023
Life, accident & health
- Standard Security Life Insurance Company of New Yorksince 2018
Life, accident & health
- Superior HealthPlan, Inc.since 2021
Life, accident & health · Centene group
- Transamerica Life Insurance Companysince 2020
Life, accident & health · Transamerica group
- UnitedHealthcare Benefits of Texas, Inc.since 2021
Life, accident & health · UnitedHealthcare group
- UnitedHealthcare Community Plan of Texas, L.L.C.since 2021
Life, accident & health · UnitedHealthcare group
- UnitedHealthcare Insurance Companysince 2021
Life, accident & health · UnitedHealthcare group · also known as AARP Medicare Supplement, AARP MedicareRx
- UnitedHealthcare of Texas, Inc.since 2021
Life, accident & health · UnitedHealthcare group
- Washington National Insurance Companysince 2016
Life, accident & health · CNO Financial group
- WellCare National Health Insurance Companysince 2023
Life, accident & health · Centene group
- WellCare of Texas, Inc.since 2022
Life, accident & health · Centene group
- WellCare Prescription Insurance, Inc.since 2023
Life, accident & health · Centene group · also known as Wellcare Rx
- Wellpoint Insurance Companysince 2020
Life, accident & health · Elevance Health group · also known as Amerigroup Insurance Company
- Wellpoint Texas, Inc.since 2020
Life, accident & health · Elevance Health group · also known as Amerigroup Texas, Inc.
Where this information comes from
License and appointment facts come from public licensing records, last checked on November 1, 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 Joseph's license
Is Joseph Michael Karam a licensed insurance agent in Texas?
Public licensing records list license 1948007 with a status of "Active", first issued in 2014, expiring August 31, 2027. We last checked the record against public licensing records on November 1, 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 1948007, or look up National Producer Number 9931349 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 55 appointments for Joseph. It does not tell you which plans the agent will recommend, and it is not a rating.
Does it cost anything to contact Joseph?
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. Joseph Michael Karam 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.
Joseph 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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