What Are Agents, Captive Agents, and Insurance Brokers?

The frontline people you deal with when you purchase your insurance are the agents and brokers who represent the insurance company. They will explain the type of products they have.

The captive agent is a representative of only one insurance company. They a familiar with that company’s products or offerings, but can not speak towards other companies' policies, pricing, or product offerings.

An insurance broker or independent agent may deal with more than one company on your behalf. They will have access to more than one company and must know about the range of products offered by all the companies they represent.

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