Disclosures

Plain language first, so you know who you are dealing with and how we are paid. The legal language follows.

Who we are

The Baldwin Insurance Firm, LLC ("the Firm") is an independent insurance agency organized in Oklahoma and licensed by the Oklahoma Insurance Department. Agency license #3002718537, NPN 20850416, with lines of authority in Life and Accident & Health. Jeremy D. Baldwin is the Firm's designated responsible licensed producer, Oklahoma license #40083087, NPN 13719709. Both licenses are active and can be verified through the NAIC State Based Systems lookup for Oklahoma. Office: 629 W. Main Street, Suite 10080, Oklahoma City, OK 73102. The Firm is licensed in Oklahoma; it does not solicit business in states where it is not licensed.

How we are paid

The Firm is compensated by commissions paid by the insurance carriers whose products a client chooses. Commissions are built into the premium the carrier charges; the client does not pay the Firm a separate brokerage fee for placing coverage. Commission rates vary by carrier and product, and the Firm may also receive bonuses, overrides or other compensation from carriers or general agencies based on volume or persistency. For group health plans subject to ERISA, the Firm provides the written compensation disclosure required by section 408(b)(2) of ERISA before the plan sponsor enters into or renews the arrangement. If the Firm ever charges a consulting fee for a project outside of placing coverage, that fee is quoted in writing in advance and is separate from any commission.

Relationship to Baldwin Financial, LLC

Jeremy D. Baldwin is also the founder of Baldwin Financial, LLC, an investment adviser registered with the State of Oklahoma (CRD #324725). The two companies are under common ownership and are operated as separate legal entities. Baldwin Financial is fee-only and receives no commissions. The Firm's receipt of insurance commissions creates a conflict of interest when an advisory client of Baldwin Financial purchases insurance through the Firm; that conflict is disclosed in Item 10 of Baldwin Financial's Form ADV Part 2A and on its disclosures page. No client of either company is required to use the other.

What this site is and is not

• Information on this site is general and educational. It is not an offer of coverage, a binder, or a guarantee of rates, eligibility or benefits.
• All quotes are subject to carrier underwriting, eligibility rules, participation and contribution requirements, and state and federal law. Coverage begins only when a carrier issues it.
• The "fit check" on the home page is an educational starting point based on the answers given. It is not a recommendation and does not account for your group's census, health history, budget or plan preferences.
• The Firm does not practice law, prepare tax returns or give tax or legal advice. References to ERISA documents, Section 125 plans, COBRA, state continuation, ACA reporting and tax credits describe work the Firm coordinates with carriers, third-party administrators, and your own CPA and attorney.
• Carriers, general agencies, enrollment platforms and other third parties referenced on this site are unaffiliated with the Firm. Mention of a product or vendor is not an endorsement.
• Statistics on this site come from the sources linked beside them, mainly KFF's Employer Health Benefits Survey and Gallup workplace research. They are national averages and are not a prediction of any employer's cost.
• Nothing on this site is a testimonial or endorsement. The Firm does not publish client names without written permission.

Oklahoma small employer definition

Under the Oklahoma Small Employer Health Insurance Reform Act, a small employer is one with two to fifty eligible employees. Federal law treats groups of one to fifty as small group for certain purposes. Which rules apply to a specific group depends on its facts, and the Firm confirms this during quoting.

Complaints

If you have a concern about the Firm or its producer, contact us first at hello@baldwin.insure or (405) 266-7856. You may also contact the Oklahoma Insurance Department's Consumer Assistance Division.

Reviewed October 2026.