How One Fla. Insurance Agent Allegedly Used Another’s License to Swipe Commissions

Imagine the surprise of being told by the Internal Revenue Service that you owe $116,000 in taxes on more than $323,000 in unreported income—income you had no idea existed.

That’s reportedly what happened to Miramar, Florida, insurance agent Kevin Langford in 2023. The phone call from the IRS prompted Langford to alert authorities. That led to a two-year investigation by the Florida Department of Financial Services that this week resulted in the arrest of another insurance agent.

Omar Hibbert, of Pembroke Pines, and owner of O Health Group, has been charged with stealing Langford’s identity and agent license information, and fraudulently applying for appointments with multiple insurance carriers.

The applications for appointments were “submitted with the intent to acquire clients, generate business and collect commissions,” reads the arrest affidavit filed in Miami-Dade County Circuit Court.

Hibbert, 43, was released on bond and is now awaiting court dates. He declined to comment to Insurance Journal, and Langford could not be reached Thursday morning. But the arrest information outlines a scheme that could hold lessons for other insurance agents around the state.

Langford explained to investigators that he has more than 30 years in the insurance business, was licensed in several states, and had previously worked with Hibbert, according to the arrest affidavit. But Langford had never authorized Hibbert to use his license information to seek appointments.

“This multi-state licensing increased the risk of identity theft, as it provided an opportunity for fraudulent activities by individuals like Hibbert,” reads the affidavit, signed by a DFS investigator.

Investigators found that Hibbert opened a bank account in 2019 under his business name then deposited commissions for health insurance policies that had been written in Langford’s name. Agentra, a health care coverage company, confirmed to authorities that the commissions belong to Langford, not Hibbert.

Hibbert was recorded by investigators, acknowledging that he had opened the bank account and deposited the commissions.

Florida DFS agent records show that Hibbert is currently appointed with 19 health insurance carriers and has inactive appointments with several more. Florida corporation records show that O Health Group was formed by Hibbert in 2019 but did not file an annual report in 2025.

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