Captive agents work with a specific insurance company (Example State Farm), and as part of their agreement with that company, they can offer only that company’s insurance products. They also are required to sell other products from that company, such as annuities, life insurance and investment plans. This is most often not in your best interest. You want someone representing you that has your best interest in mind.

Independent agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. Insurance rates vary from company to company. Independent agents can put together a customized insurance plan.

When you want an agent that represents you and your interest, contact an independent agent - contact our office.