Direct answer
It depends on whether you value a wider selection of products from multiple carriers, which an independent broker provides, or the deep, singular product knowledge of a captive agent representing one specific company.
Consumer protection guidelines from the National Association of Insurance Commissioners regarding agent disclosures. For additional information about state-specific agent requirements, see the National Association of Insurance Commissioners‘ state insurance department directory.
What this means for you
It depends on whether you value a wider selection of products from multiple carriers, which an independent broker provides, or the deep, singular product knowledge of a captive agent representing one specific company.
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