Before you buy your insurance
Go through these points before you sign or pay, with us or with any agent. They take a few minutes and protect you from fraud and from surprises when you have a claim.
Check that your agent is licensed
In Mexico, only someone with a valid licence (cédula) from the National Insurance and Surety Commission (CNSF) may sell you insurance. The search is public and free.
- 1
Ask for their licence
Ask for their agent licence and an official ID. Since October 9, 2026 the CNSF no longer shows photos in its search, so the agent must show you both when you ask.
- 2
Go to «Busca tu agente»
It's the CNSF's search for licensed agents. You don't need to register.
- 3
Search by name or licence
Type their first name and surnames, or choose the search by licence (cédula) and type the number. Open the record with the icon at the end of the row.
- 4
Check the record
The name must match their ID, the expiry date must not have passed, and the description shows which insurance they may sell.
- 5
If they're an attorney-in-fact, see for whom
An apoderado sells on behalf of an agency. The note on the record says which company, and it must be the one serving you.
Look it up now
Open the CNSF's official search in another tab and follow these steps with your agent's name or licence number.
Open «Busca tu agente»
What insurance they may sell, by licence
The description on the record says which lines the agent is licensed for. If they offer you something outside it, ask to be served by someone who is licensed.
- Personas (people)
- Life, health, personal accident and illness.
- Daños (property and casualty)
- Car, home, business, liability, transport and other property insurance.
- Personas y daños
- All of the above.
- Fianzas (surety bonds)
- Surety bonds require a separate licence as a bond agent.
Verify our licences
These are our team's licences. Look them up yourself with the CNSF.
Julieta Morales Vera
CNSF licence V418418
Life, health and property and casualty insurance. Valid until May 29, 2029.
Verify with the CNSFAna María Gamboa Morales
CNSF licence H418668
Life, health and property and casualty insurance. Valid until June 2, 2029.
Verify with the CNSFWhy not buy at the bank or in an app without advice?
Insurance from a bank or an app can be legitimate, but the person selling it usually isn't a licensed agent and won't be there when you use it. Before you buy there, keep in mind:
Nobody looks at your case
At a bank counter or in an app you get a standard product. An agent compares insurers and fits the cover, sums insured and deductibles to what you really need.
Misunderstood cover
If nobody explains the exclusions, waiting periods and deductibles, it's easy to believe something is covered and find out at claim time that it isn't.
No help with your claim
The bank or the app sends you to the insurer's phone line. Your agent tells you what to do and which documents to bring, checks they're complete and follows up until you're paid.
Insurance tied to a loan
If your car loan or mortgage requires insurance, the law forbids making you buy it from the insurer they propose. You can present a policy from the insurer you choose, with the cover the loan requires.
Charges you didn't ask for
Check your statement: some policies are charged together with a card or a loan. If you didn't authorize it, dispute it with your bank and, if they don't fix it, with CONDUSEF.
Unknown apps and websites
Before you pay, confirm which CNSF-authorized insurer issues the policy and who the licensed agent is. If they won't tell you, don't buy.
- Get a quote on WhatsApp
No extra cost
An agent's advice doesn't cost you extra: the insurer pays the agent's commission out of the premium.
Before you sign
- Ask for the quote in writing, with the insurer, the plan, the sum insured, the deductible, the coinsurance and the payment method.
- Compare cover, not just price: exclusions, waiting periods, limits and the network of hospitals or repair shops.
- Read the general terms and conditions before you sign. Ask your agent for them or download them from the insurer's website.
- Answer the application and questionnaires truthfully. Leaving out or misstating facts, such as previous illnesses or how a vehicle is really used, can leave you without payment.
- Check that the insurer or bonding company is authorized by the CNSF.
- Pay only through the insurer's official channels and keep the receipt.
- When you get your policy, confirm it in the insurer's app, portal or phone line and check your details and cover. If it doesn't match what you asked for, you have 30 days to request a correction.
- Keep the policy, the receipts and the claims phone number where you and your beneficiaries can find them.
Your basic rights
They're in the basic rights leaflet that insurers hand over with the policy. Before and while you buy, you can:
- Ask the agent or the agency for the ID that proves they're licensed to sell you the insurance.
- Ask in writing how much commission the intermediary receives for your policy. You must be told in writing or electronically within 10 business days.
- Receive the information in the general terms and conditions: scope of cover, exclusions, sums insured, deductibles, coinsurance, waiting periods and how the policy can end.
- In life and health insurance, if you had a medical exam when you bought it, the insurer can't apply a pre-existing condition to what that exam assessed.
- Know the grace period to pay your premium, shown on your receipt or your policy.
- File a complaint with the insurer's Specialized Unit (UNE) or with CONDUSEF if you disagree with an answer.
Warning signs
- They won't show their licence, or they don't appear in «Busca tu agente».
- They ask you to pay into a personal account, or in cash without an official receipt.
- The price is far lower than any other quote, with no clear explanation.
- They pressure you to pay today, or ask for passwords, PINs or verification codes.
- After paying you don't receive the policy, or the insurer has no record of it.
Were you offered insurance and have doubts?
If you notice something like this, don't pay. Write to us and we'll go over it with you, and report it to the CNSF or CONDUSEF. Send us the quote or the policy and we'll tell you what to check before you sign.