Unclaimed · public records

Ronald Karkowsky

Houston, TX
Texas resident license

Contact Ronald, free

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License facts

License status: Active

From public licensing records. You can confirm any of it on the state agent lookup.

Texas license number: 1036781
License type: Texas resident license
Licensed since: 1994
License expires: January 31, 2028
National Producer Number: 1246135 Verify on NIPR
Last checked: November 1, 2026

Coverage types on record

Worked out from the carriers Ronald 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
Long-term care

Carrier appointments

Public licensing records list 121 active carrier appointments for Ronald. 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

Humana(6)
UnitedHealthcare(5)
Guardian(4)
Travelers(4)
Aetna(3)
Cigna(2)
Equitable(2)
Mutual of Omaha(2)
Nationwide(2)
Progressive(2)
Prudential(2)
Aflac
Allstate
American National
Ameritas
Brighthouse
Corebridge Financial
HCSC
Independence
John Hancock
Legal & General America
Lincoln Financial
MetLife
Principal
Protective
Securian
and 72 other companies

Coverage each carrier appointed Ronald for

Cigna Health and Life Insurance Company
since 2015
- Medicare Advantage
- Medicare Supplement (Medigap)
- Medicare Part D
- ACA / Marketplace plans
- Small business / group health
Health Care Service Corporation, a Mutual Legal Reserve Company
since 2002
- Medicare Advantage
- Medicare Supplement (Medigap)
- Medicare Part D
- ACA / Marketplace plans
- Small business / group health
Humana Insurance Company
since 1996
- Medicare Advantage
- Medicare Supplement (Medigap)
- Medicare Part D
- Small business / group health
- Dental & vision
Principal Life Insurance Company
since 1994
- Small business / group health
- Dental & vision
- Life insurance
- Annuities
- Disability
United of Omaha Life Insurance Company
since 2007
- Medicare Supplement (Medigap)
- Life insurance
- Final expense
- Annuities
- Long-term care
Aetna Life Insurance Company
since 2000
- Medicare Advantage
- Medicare Supplement (Medigap)
- Small business / group health
- Dental & vision
American Heritage Life Insurance Company
since 1999
- Small business / group health
- Dental & vision
- Life insurance
- Disability
Guardian Life Insurance Company of America, The
since 1997
- Dental & vision
- Life insurance
- Annuities
- Disability
Metropolitan Life Insurance Company
since 2008
- Small business / group health
- Dental & vision
- Life insurance
- Disability
UnitedHealthcare Insurance Company
since 1995
- Medicare Advantage
- Medicare Supplement (Medigap)
- Medicare Part D
- Small business / group health
Aetna Health Inc.
since 2000
- Medicare Advantage
- ACA / Marketplace plans
- Small business / group health
American National Insurance Company
since 2009
- Life insurance
- Final expense
- Annuities
Ameritas Life Insurance Corp.
since 2021
- Dental & vision
- Life insurance
- Disability
Humana Insurance Company of Kentucky
since 2018
- Medicare Advantage
- Medicare Supplement (Medigap)
- Medicare Part D
John Hancock Life Insurance Company (U.S.A.)
since 2023
- Life insurance
- Annuities
- Long-term care
Lincoln National Life Insurance Company, The
since 2009
- Life insurance
- Annuities
- Long-term care
Mutual of Omaha Insurance Company
since 2007
- Medicare Supplement (Medigap)
- Disability
- Long-term care
Nationwide Life Insurance Company
since 2022
- Life insurance
- Annuities
- Long-term care
QCC Insurance Company
since 1998
- Medicare Supplement (Medigap)
- ACA / Marketplace plans
- Small business / group health
UnitedHealthcare of Texas, Inc.
since 2002
- Medicare Advantage
- ACA / Marketplace plans
- Small business / group health
Aetna Health Insurance Company
since 2002
- Medicare Advantage
- Small business / group health
American Family Life Assurance Company of Columbus
since 2000
- Dental & vision
- Disability
American General Life Insurance Company
since 2016
- Life insurance
- Annuities
Brighthouse Life Insurance Company
since 2014
- Life insurance
- Annuities
Cigna HealthCare of Texas, Inc.
since 2025
- Medicare Advantage
- Small business / group health
Equitable Financial Life Insurance Company
since 2010
- Life insurance
- Annuities
Equitable Financial Life Insurance Company of America
since 2019
- Life insurance
- Annuities
Golden Rule Insurance Company
since 2004
- Short-term health
- Dental & vision
Guardian Insurance & Annuity Company, Inc., The
since 2019
- Life insurance
- Annuities
Humana Health Plan of Texas, Inc.
since 2002
- Medicare Advantage
- Small business / group health
Minnesota Life Insurance Company
since 2023
- Life insurance
- Annuities
Nationwide Life and Annuity Insurance Company
since 2013
- Life insurance
- Annuities
Protective Life Insurance Company
since 2022
- Life insurance
- Annuities
Pruco Life Insurance Company
since 2004
- Life insurance
- Annuities
All Savers Insurance Company
since 2013
- Small business / group health
Banner Life Insurance Company
since 2012
- Life insurance
Berkshire Life Insurance Company of America
since 2019
- Disability
CompBenefits Insurance Company
since 2019
- Dental & vision
Denticare, Inc.
since 2008
- Dental & vision
HumanaDental Insurance Company
since 2002
- Dental & vision
Managed DentalGuard, Inc.
since 2008
- Dental & vision
Prudential Insurance Company of America, The
since 1997
- Life insurance
UnitedHealthcare Benefits of Texas, Inc.
since 1998
- Medicare Advantage

All 121 appointments on record

Ace American Insurance Companysince 2024
Property & casualty
Ace Fire Underwriters Insurance Companysince 2024
Property & casualty
Ace Property and Casualty Insurance Companysince 2024
Property & casualty
Aetna Dental Inc.since 2000
Life, accident & health
Aetna Health Inc.since 2000
Life, accident & health · Aetna group
Aetna Health Insurance Companysince 2002
Life, accident & health · Aetna group
Aetna Life Insurance Companysince 2000
Life, accident & health · Aetna group
All Savers Insurance Companysince 2013
Life, accident & health · UnitedHealthcare group
American Family Life Assurance Company of Columbussince 2000
Life, accident & health · Aflac group · also known as Aflac
American General Life Insurance Companysince 2016
Life, accident & health · Corebridge Financial group · also known as AIG Life & Retirement
American Heritage Life Insurance Companysince 1999
Life, accident & health · Allstate group · also known as Allstate Benefits
American Mercury Insurance Companysince 2011
Property & casualty
American National Insurance Companysince 2009
Life, accident & health · American National group
American Zurich Insurance Companysince 2010
Property & casualty
Ameritas Life Insurance Corp.since 2021
Life, accident & health · Ameritas group
AmTrust Insurance Companysince 2020
Property & casualty
Bankers Standard Insurance Companysince 2024
Property & casualty
Banner Life Insurance Companysince 2012
Life, accident & health · Legal & General America group
Berkshire Life Insurance Company of Americasince 2019
Life, accident & health · Guardian group
Brighthouse Life Insurance Companysince 2014
Life, accident & health · Brighthouse group
Charter Oak Fire Insurance Company, Thesince 2021
Property & casualty
Chubb Indemnity Insurance Companysince 2024
Property & casualty
Chubb Lloyds Insurance Company of Texassince 2024
Property & casualty
Chubb National Insurance Companysince 2024
Property & casualty
Cigna Health and Life Insurance Companysince 2015
Life, accident & health · Cigna group
Cigna HealthCare of Texas, Inc.since 2025
Life, accident & health · Cigna group
Cincinnati Casualty Company, Thesince 2026
Property & casualty
Cincinnati Indemnity Company, Thesince 2026
Property & casualty
Cincinnati Insurance Company, Thesince 2026
Property & casualty
Colonial Life and Accident Insurance Companysince 2018
Life, accident & health
Companion Life Insurance Companysince 2019
Life, accident & health
CompBenefits Insurance Companysince 2019
Life, accident & health · Humana group
Consumers County Mutual Insurance Companysince 2007
Property & casualty
Coventry Health and Life Insurance Companysince 2015
Life, accident & health
Denticare, Inc.since 2008
Life, accident & health · Humana group
Educators Health Plans Life, Accident and Health, Inc.since 2021
Life, accident & health
Encompass Home and Auto Insurance Companysince 2010
Property & casualty
Encompass Indemnity Companysince 2008
Property & casualty
Encompass Independent Insurance Companysince 2010
Property & casualty
Encompass Insurance Company of Americasince 2010
Property & casualty
Encompass Property and Casualty Companysince 2010
Property & casualty
Equitable Financial Life Insurance Companysince 2010
Life, accident & health · Equitable group · also known as AXA Equitable Life Insurance Company
Equitable Financial Life Insurance Company of Americasince 2019
Life, accident & health · Equitable group
Executive Risk Indemnity Inc.since 2024
Property & casualty
Farmington Casualty Companysince 2021
Property & casualty
Federal Insurance Companysince 1994
Property & casualty
Fidelity Security Life Insurance Companysince 1994
Life, accident & health
Genworth Life Insurance Companysince 1995
Life, accident & health
Golden Rule Insurance Companysince 2004
Life, accident & health · UnitedHealthcare group
Great Northern Insurance Companysince 2024
Property & casualty
Guardian Insurance & Annuity Company, Inc., Thesince 2019
Life, accident & health · Guardian group
Guardian Life Insurance Company of America, Thesince 1997
Life, accident & health · Guardian group
Hartford Life and Accident Insurance Companysince 2004
Life, accident & health
Health Care Service Corporation, a Mutual Legal Reserve Companysince 2002
Life, accident & health · HCSC group · also known as Blue Cross and Blue Shield of Texas, BCBSTX, HMO Blue Texas
Humana Health Plan of Texas, Inc.since 2002
Life, accident & health · Humana group
Humana Insurance Companysince 1996
Life, accident & health · Humana group
Humana Insurance Company of Kentuckysince 2018
Life, accident & health · Humana group
HumanaDental Insurance Companysince 2002
Life, accident & health · Humana group
John Hancock Life Insurance Company (U.S.A.)since 2023
Life, accident & health · John Hancock group
Life Insurance Company of North Americasince 2017
Life, accident & health
Lincoln National Life Insurance Company, Thesince 2009
Life, accident & health · Lincoln Financial group
Madison National Life Insurance Company, Inc.since 2011
Life, accident & health
Managed DentalGuard, Inc.since 2008
Life, accident & health · Guardian group
Memorial Hermann Commercial Health Plan, Inc.since 2019
Life, accident & health
Memorial Hermann Health Insurance Companysince 2013
Life, accident & health
Memorial Hermann Health Plan, Inc.since 2015
Life, accident & health
Mercury County Mutual Insurance Companysince 2011
Property & casualty
Mercury Insurance Company of Texassince 2011
Property & casualty
Metropolitan Life Insurance Companysince 2008
Life, accident & health · MetLife group
Milford Casualty Insurance Companysince 2020
Property & casualty
Minnesota Life Insurance Companysince 2023
Life, accident & health · Securian group
Mutual of Omaha Insurance Companysince 2007
Life, accident & health · Mutual of Omaha group
National Pacific Dental, Inc.since 2009
Life, accident & health
National Union Fire Insurance Company of Pittsburgh, PA.since 2012
Life, accident & health
Nationwide Life and Annuity Insurance Companysince 2013
Life, accident & health · Nationwide group
Nationwide Life Insurance Companysince 2022
Life, accident & health · Nationwide group
NGL Insurance Companysince 2022
Life, accident & health
Pacific Employers Insurance Companysince 2024
Property & casualty
Pacific Indemnity Companysince 2024
Property & casualty
Pacificare Life and Health Insurance Companysince 2010
Life, accident & health
Phoenix Insurance Company, Thesince 2021
Property & casualty
Principal Life Insurance Companysince 1994
Life, accident & health · Principal group
Principal National Life Insurance Companysince 2011
Life, accident & health
Progressive Casualty Insurance Companysince 2000
Property & casualty · Progressive group
Progressive County Mutual Insurance Companysince 2000
Property & casualty · Progressive group
Protective Life Insurance Companysince 2022
Life, accident & health · Protective group
Pruco Life Insurance Companysince 2004
Life, accident & health · Prudential group
Prudential Insurance Company of America, Thesince 1997
Life, accident & health · Prudential group
QCC Insurance Companysince 1998
Life, accident & health · Independence group · also known as Independence Blue Cross, AmeriHealth
Reliance Standard Life Insurance Companysince 1998
Life, accident & health
Reliance Standard Life Insurance Company of Texassince 1998
Life, accident & health
Republic-Franklin Insurance Companysince 2015
Property & casualty
SafeGuard Health Plans, Inc.since 2008
Life, accident & health
Security National Insurance Companysince 2020
Property & casualty
Sequoia Insurance Companysince 2022
Property & casualty
Standard Fire Insurance Company, Thesince 2021
Property & casualty
Standard Insurance Companysince 2014
Life, accident & health
Sun Life Assurance Company of Canadasince 2009
Life, accident & health
Technology Insurance Company, Inc.since 2020
Property & casualty
Travelers Casualty and Surety Companysince 2021
Property & casualty
Travelers Casualty Insurance Company of Americasince 2021
Property & casualty · Travelers group
Travelers Home and Marine Insurance Company, Thesince 2021
Property & casualty
Travelers Indemnity Company of America, Thesince 2021
Property & casualty
Travelers Indemnity Company of Connecticut, Thesince 2021
Property & casualty
Travelers Indemnity Company of Illinois, Thesince 2021
Property & casualty · Travelers group
Travelers Indemnity Company, Thesince 2021
Property & casualty · Travelers group
Travelers Lloyds Insurance Companysince 2021
Property & casualty · Travelers group
Travelers Personal Insurance Companysince 2025
Property & casualty
Unimerica Insurance Companysince 2010
Life, accident & health
United Concordia Insurance Companysince 2007
Life, accident & health
United Dental Care of Texas, Inc.since 2007
Life, accident & health
United of Omaha Life Insurance Companysince 2007
Life, accident & health · Mutual of Omaha group
United Property & Casualty Insurance Companysince 2014
Property & casualty
UnitedHealthcare Benefits of Texas, Inc.since 1998
Life, accident & health · UnitedHealthcare group
UnitedHealthcare Insurance Companysince 1995
Life, accident & health · UnitedHealthcare group · also known as AARP Medicare Supplement, AARP MedicareRx
UnitedHealthcare of Texas, Inc.since 2002
Life, accident & health · UnitedHealthcare group
Utica Lloyd's of Texassince 2015
Property & casualty
Utica Mutual Insurance Companysince 2015
Property & casualty
Vigilant Insurance Companysince 2024
Property & casualty
Wesco Insurance Companysince 2020
Property & casualty
Westchester Fire Insurance Companysince 2024
Property & casualty

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 Ronald's license

Is Ronald Karkowsky a licensed insurance agent in Texas?

Public licensing records list license 1036781 with a status of "Active", first issued in 1994, expiring January 31, 2028. 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 1036781, or look up National Producer Number 1246135 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 121 appointments for Ronald. It does not tell you which plans the agent will recommend, and it is not a rating.

Does it cost anything to contact Ronald?

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. Ronald Karkowsky 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.

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