Insurance is sold by two types of agents: captive and independent. Captive agents are tied to a sole company. For example, a State Farm agent can only sell State Farm products. Independent agents, in contrast, represent multiple companies and can provide a variety of products.
Because independent insurance agents aren’t attached to a single entity, they have freedom to pursue the best policy for their clients. If one insurance carrier doesn’t meet your needs, the independent agent will find another carrier that does meet your requirements. In addition to freedom, independent agents are invaluable in other ways:
- Independent agents care about you. You aren’t a number or a price tag.
- Independent agents care about your finances. They will find the policy that best combines price, coverage, and service, regardless of the company.
- Independent agents will review your coverage periodically and ensure that your insurance meets your needs.
- Independent agents act as a liaison between you and your insurance provider, despite changes in your insurance or service needs.
- Independent agents provide a full range of products, including homeowners, renters, automobile, business, life, and health insurance and retirement plans.
- Independent agents are knowledgeable, licensed professionals. They are familiar with current trends within the insurance industry, not merely changes within a single company.
Independent agents have you, the client, in mind at all times. They stay up to date with trends so that they can better serve you. They review and analyze policies in order to find the one that best meets your needs. Do agents like that sound too good to be true? They’re not. You can find them at Flor & Associates Insurance Agency.