Medicare Specialist helping North Carolina
Medicare AdvantageMedicare Supplement (Medigap)Medicare Part D+4 more
- Licensed in
- NC, AZ, CA, FL, DE, ME, MI, PA, VT, OH, WA
- Experience
- 6 years
Verified license
ContactUnclaimed · public records
Michael Lugo
- Newport Beach, CA
- Texas non-resident license
Contact Michael, free
Your details stay with MeetBrokers until Michael claims this page.
License facts
License status: Active
From public licensing records. You can confirm any of it on the state agent lookup.
- Texas license number
- 1049705
- License type
- Texas non-resident license
- Licensed since
- 1996
- License expires
- May 31, 2027
- National Producer Number
- 1304160 Verify on NIPR
- Last checked
- November 1, 2026
Coverage types on record
Worked out from the carriers Michael 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
- Small business / group health
- Dental & vision
- Life insurance
- Annuities
- Disability
- Long-term care
Carrier appointments
Public licensing records list 12 active carrier appointments for Michael. 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)
- Guardian(2)
- HCSC
- John Hancock
- Principal
- and 4 other companies
Coverage each carrier appointed Michael for
Health Care Service Corporation, a Mutual Legal Reserve Company
since 2015
- Medicare Advantage
- Medicare Supplement (Medigap)
- Medicare Part D
- ACA / Marketplace plans
- Small business / group health
Principal Life Insurance Company
since 2019
- Small business / group health
- Dental & vision
- Life insurance
- Annuities
- Disability
Guardian Life Insurance Company of America, The
since 2015
- Dental & vision
- Life insurance
- Annuities
- Disability
UnitedHealthcare Insurance Company
since 2019
- Medicare Advantage
- Medicare Supplement (Medigap)
- Medicare Part D
- Small business / group health
John Hancock Life Insurance Company (U.S.A.)
since 2023
- Life insurance
- Annuities
- Long-term care
UnitedHealthcare of Texas, Inc.
since 2019
- Medicare Advantage
- ACA / Marketplace plans
- Small business / group health
Managed DentalGuard, Inc.
since 2018
- Dental & vision
UnitedHealthcare Benefits of Texas, Inc.
since 2019
- Medicare Advantage
All 12 appointments on record
- Fidelity Security Life Insurance Companysince 2017
Life, accident & health
- Guardian Life Insurance Company of America, Thesince 2015
Life, accident & health · Life · Guardian group
- Health Care Service Corporation, a Mutual Legal Reserve Companysince 2015
Life, accident & health · HCSC group · also known as Blue Cross and Blue Shield of Texas, BCBSTX, HMO Blue Texas
- John Hancock Life Insurance Company (U.S.A.)since 2023
Life, accident & health · John Hancock group
- Managed DentalGuard, Inc.since 2018
Life, accident & health · Guardian group
- National Pacific Dental, Inc.since 2019
Life, accident & health
- Pacificare Life and Health Insurance Companysince 2019
Life, accident & health
- Principal Life Insurance Companysince 2019
Life, accident & health · Principal group
- UnitedHealthcare Benefits of Texas, Inc.since 2019
Life, accident & health · UnitedHealthcare group
- UnitedHealthcare Insurance Companysince 2019
Life, accident & health · UnitedHealthcare group · also known as AARP Medicare Supplement, AARP MedicareRx
- UnitedHealthcare of Texas, Inc.since 2019
Life, accident & health · UnitedHealthcare group
- Voya Retirement Insurance and Annuity Companysince 2017
Life, accident & health
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 Michael's license
Is Michael Lugo a licensed insurance agent in Texas?
Public licensing records list license 1049705 with a status of "Active", first issued in 1996, expiring May 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 1049705, or look up National Producer Number 1304160 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 12 appointments for Michael. It does not tell you which plans the agent will recommend, and it is not a rating.
Does it cost anything to contact Michael?
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. Michael Lugo 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.
Michael 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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