What Is An Independent Agent? An independent insurance agent is a welcome alternative to the homogenized dedicated agent/franchise business model. Independent Agents bring more to the table for their customers by representing numerous insurance carriers, rather than just one. Captive Agents A "dedicated" or "captive" agent is required to offer only one insurance carrier's products exclusively. They have no flexibility in terms of "shopping" your policy. These agents are restricted to merely entering your specifics and waiting while corporate headquarters hands down your quote. Take it or leave it. Often captive agents are also required to push ancillary products such as annuities and investment plans. Their lack of flexibility and hidden sales agendas restrict the captive agent's ability to offer a customer more than the status quo. Independent Agents Unlike captive agents, independent agents are free to choose among numerous insurance carriers. In turn, we are able to consider a wide variety of policy and pricing options, select the coverage that's most advantageous for an individual set of circumstances, and make certain the customer's best interests are served. What's more, an independent agent can service multiple policies through multiple carriers seamlessly. That means you get optimal cost savings and the convenience of a single support and payment contact. That's the value of independent thinking.

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