DEPARTMENT OF INSURANCE
Affiliations
NameFrayman, Michael ADOIID611309NAIC NPN1836933
License - Line of Authority Information
StatusResidencyClassLine of AuthorityActive DateInactive DateLicense Expiration Date
ActiveNon ResidentAgentLife7/5/2005 7/31/2025
ActiveNon ResidentAgentHealth7/5/2005 7/31/2025
ActiveNon ResidentAgentVariable Life and Variable Annuities7/5/2005 7/31/2025
* If a status Is Pending, Pending Replacement,Or the record displays Affidavit On File, click On them For more details.
Notice: The Department verifies, at the time of application for a Variable Life and Variable Annuity line of authority, that an agent is registered with the Financial Industry Regulatory Authority (FINRA) and the applicant has passed the Series 6 or greater exam. The Department does not verify registration with FINRA after the agent is qualified by the Department to receive the Variable Life and Variable Annuity line of authority. If you have questions about a broker’s FINRA registration status, you should check this status directly with FINRA.

License Renewal Information
ClassInvoice DateResponse Due / Expiration DateResponse Received DatePayment Received DateRenewal Complete
Agent05/15/202507/31/2025   
Appointments with the following Insurers
StatusAffiliation NameDOI NumberLine of AuthorityActive DateInactive Date
InactiveAllianz Life Insurance Company of North America301791Agent - Health7/7/20208/4/2020
ActiveAllianz Life Insurance Company of North America301791Agent - Life7/9/2020 
ActiveAllianz Life Insurance Company of North America301791Agent - Variable Life and Variable Annuities7/9/2020 
ActiveAmerican General Life Insurance Company301585Agent - Health7/26/2024 
ActiveAmerican General Life Insurance Company301585Agent - Life7/26/2024 
ActiveAmerican General Life Insurance Company301585Agent - Variable Life and Variable Annuities7/26/2024 
InactiveAugustar Life Insurance Company301816Agent - Life11/24/200811/9/2010
InactiveAugustar Life Insurance Company301816Agent - Variable Life and Variable Annuities11/24/200811/9/2010
ActiveBanner Life Insurance Company301696Agent - Life8/4/2005 
InactiveEquitable Financial Life Insurance Company of America301772Agent - Life5/21/20223/22/2023
InactiveEquitable Financial Life Insurance Company of America301772Agent - Variable Life and Variable Annuities5/21/20223/22/2023
InactiveGenworth Life Insurance Company300623Agent - Health6/9/200612/8/2008
InactiveGenworth Life Insurance Company300623Agent - Life6/9/200612/8/2008
ActiveJackson National Life Insurance Company300486Agent - Life3/8/2006 
ActiveJackson National Life Insurance Company300486Agent - Variable Life and Variable Annuities3/8/2006 
InactiveJohn Hancock Life Insurance Company300821Agent - Health3/22/20066/7/2008
InactiveJohn Hancock Life Insurance Company300821Agent - Life3/22/20066/7/2008
InactiveJohn Hancock Life Insurance Company300821Agent - Variable Life and Variable Annuities3/22/20066/7/2008
InactiveJohn Hancock Life Insurance Company (U.S.A.)300132Agent - Health3/22/20067/27/2009
InactiveJohn Hancock Life Insurance Company (U.S.A.)300132Agent - Life3/22/20067/27/2009
InactiveJohn Hancock Life Insurance Company (U.S.A.)300132Agent - Variable Life and Variable Annuities3/22/20067/27/2009
InactiveJohn Hancock Variable Life Insurance Company301914Agent - Life3/22/200612/11/2006
InactiveJohn Hancock Variable Life Insurance Company301914Agent - Variable Life and Variable Annuities3/22/200612/20/2006
InactiveLincoln National Life Insurance Company (The)301382Agent - Health12/3/20095/22/2017
InactiveLincoln National Life Insurance Company (The)301382Agent - Life12/3/20095/22/2017
InactiveLincoln National Life Insurance Company (The)301382Agent - Variable Life and Variable Annuities12/3/20095/22/2017
InactiveMetropolitan Life Insurance Company301948Agent - Health3/13/20064/13/2006
InactiveMetropolitan Life Insurance Company301948Agent - Life3/13/20064/13/2006
InactivePacific Life Insurance Company301848Agent - Life11/24/20088/24/2011
InactivePacific Life Insurance Company301848Agent - Variable Life and Variable Annuities11/24/20088/24/2011
InactiveSun Life Assurance Company of Canada301811Agent - Life3/15/200610/23/2008
ActiveTransamerica Life Insurance Company300571Agent - Life3/13/2006 
ActiveTransamerica Life Insurance Company300571Agent - Variable Life and Variable Annuities3/13/2006 
InactiveVoya Retirement Insurance and Annuity Company300643Agent - Life5/8/20068/21/2010
InactiveVoya Retirement Insurance and Annuity Company300643Agent - Variable Life and Variable Annuities5/8/20068/21/2010
InactiveWestern Reserve Life Assurance Company of Ohio300760Agent - Health11/17/200612/4/2008
InactiveWestern Reserve Life Assurance Company of Ohio300760Agent - Life11/17/200612/4/2008
InactiveWestern Reserve Life Assurance Company of Ohio300760Agent - Variable Life and Variable Annuities11/17/200612/4/2008
Designated to act on behalf of the following Business Entities
StatusAffiliation NameDOI NumberLine of AuthorityActive DateInactive Date
ActiveRaymond James Insurance Group, Inc.398342Agent - Life3/20/2006 
InactiveRaymond James Insurance Group, Inc.398342Agent - Health3/20/20067/27/2009
ActiveRaymond James Insurance Group, Inc.398342Agent - Variable Life and Variable Annuities3/20/2006 

© Commonwealth of Kentucky. All rights reserved.