Florida Insurance Agent Accused of Misusing License to Steal Commissions from Colleague

Imagine the shock of receiving a call from the Internal Revenue Service, informing you that you owe $116,000 in taxes on over $323,000 in unreported income—income you were completely unaware of.

This startling scenario unfolded for Kevin Langford, an insurance agent from Miramar, Florida, in 2023. The unexpected phone call from the IRS prompted Langford to take immediate action, alerting the authorities. This led to a two-year investigation by the Florida Department of Financial Services (DFS), culminating in the recent arrest of another insurance agent.

Omar Hibbert, a 43-year-old resident of Pembroke Pines and owner of O Health Group, has been charged with stealing Langford’s identity and agent license information. He allegedly fraudulently applied for appointments with multiple insurance carriers.

The arrest affidavit filed in Miami-Dade County Circuit Court states that the applications for appointments were submitted with the intent to acquire clients, generate business, and collect commissions. Hibbert has since been released on bond and is awaiting his court dates. While he declined to comment to Insurance Journal, the details of the case reveal a scheme that could serve as a cautionary tale for insurance agents across the state.

Langford, who boasts over 30 years of experience in the insurance industry and holds licenses in several states, informed investigators that he had previously worked with Hibbert. However, he never authorized Hibbert to use his license information to seek appointments.

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

Investigators uncovered that Hibbert opened a bank account in 2019 under his business name, where he deposited commissions for health insurance policies that were actually written in Langford’s name. Agentra, a health care coverage company, confirmed to authorities that these commissions rightfully belonged to Langford, not Hibbert.

During the investigation, Hibbert was recorded admitting to opening the bank account and depositing the commissions. Florida DFS agent records indicate that Hibbert is currently appointed with 19 health insurance carriers and has inactive appointments with several others. Additionally, Florida corporation records reveal that O Health Group was formed by Hibbert in 2019 but failed to file an annual report in 2025.

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Imagine the shock of receiving a call from the Internal Revenue Service, informing you that you owe $116,000 in taxes on over $323,000 in unreported income—income you were completely unaware of.

This startling scenario unfolded for Kevin Langford, an insurance agent from Miramar, Florida, in 2023. The unexpected phone call from the IRS prompted Langford to take immediate action, alerting the authorities. This led to a two-year investigation by the Florida Department of Financial Services (DFS), culminating in the recent arrest of another insurance agent.

Omar Hibbert, a 43-year-old resident of Pembroke Pines and owner of O Health Group, has been charged with stealing Langford’s identity and agent license information. He allegedly fraudulently applied for appointments with multiple insurance carriers.

The arrest affidavit filed in Miami-Dade County Circuit Court states that the applications for appointments were submitted with the intent to acquire clients, generate business, and collect commissions. Hibbert has since been released on bond and is awaiting his court dates. While he declined to comment to Insurance Journal, the details of the case reveal a scheme that could serve as a cautionary tale for insurance agents across the state.

Langford, who boasts over 30 years of experience in the insurance industry and holds licenses in several states, informed investigators that he had previously worked with Hibbert. However, he never authorized Hibbert to use his license information to seek appointments.

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

Investigators uncovered that Hibbert opened a bank account in 2019 under his business name, where he deposited commissions for health insurance policies that were actually written in Langford’s name. Agentra, a health care coverage company, confirmed to authorities that these commissions rightfully belonged to Langford, not Hibbert.

During the investigation, Hibbert was recorded admitting to opening the bank account and depositing the commissions. Florida DFS agent records indicate that Hibbert is currently appointed with 19 health insurance carriers and has inactive appointments with several others. Additionally, Florida corporation records reveal that O Health Group was formed by Hibbert in 2019 but failed to file an annual report in 2025.

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