DEPARTMENT OF INSURANCE
Affiliations
NameGardner, Frances RDOIID690735NAIC NPN567109
License - Line of Authority Information
StatusResidencyClassLine of AuthorityActive DateInactive DateLicense Expiration Date
ActiveNon ResidentAgentLife1/13/2016 10/31/2027
ActiveNon ResidentAgentVariable Life and Variable Annuities1/13/2016 10/31/2027
ActiveNon ResidentAgentHealth1/13/2016 10/31/2027
* 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.

Appointments with the following Insurers
StatusAffiliation NameDOI NumberLine of AuthorityActive DateInactive Date
ActiveAllianz Life Insurance Company of North America301791Agent - Life10/21/2020 
ActiveAllianz Life Insurance Company of North America301791Agent - Variable Life and Variable Annuities10/21/2020 
ActiveJackson National Life Insurance Company300486Agent - Life3/22/2018 
ActiveJackson National Life Insurance Company300486Agent - Variable Life and Variable Annuities3/22/2018 
ActiveLincoln National Life Insurance Company (The)301382Agent - Health2/28/2021 
ActiveLincoln National Life Insurance Company (The)301382Agent - Life2/28/2021 
ActiveLincoln National Life Insurance Company (The)301382Agent - Variable Life and Variable Annuities2/28/2021 
InactivePenn Insurance and Annuity Company300712Agent - Life11/8/201210/31/2015
InactivePenn Insurance and Annuity Company300712Agent - Variable Life and Variable Annuities11/8/201210/31/2015
InactivePenn Mutual Life Insurance Company301394Agent - Life11/8/201210/31/2015
InactivePenn Mutual Life Insurance Company301394Agent - Variable Life and Variable Annuities11/8/201210/31/2015
ActivePrincipal Life Insurance Company300129Agent - Health5/12/2025 
ActivePrincipal Life Insurance Company300129Agent - Life5/12/2025 
ActivePrincipal Life Insurance Company300129Agent - Variable Life and Variable Annuities5/12/2025 
ActiveTransamerica Life Insurance Company300571Agent - Life3/12/2026 
ActiveTransamerica Life Insurance Company300571Agent - Variable Life and Variable Annuities3/12/2026 
Designated to act on behalf of the following Business Entities
StatusAffiliation NameDOI NumberLine of AuthorityActive DateInactive Date
ActiveOsaic Wealth, Inc.399326Agent - Life3/8/2026 
ActiveOsaic Wealth, Inc.399326Agent - Health3/8/2026 
ActiveOsaic Wealth, Inc.399326Agent - Variable Life and Variable Annuities3/8/2026 

© Commonwealth of Kentucky. All rights reserved.