What is a Captive Agent?



Different taco places don’t share cooks!

An insurance agent that only works for one insurance company is a Captive Agent, but they are not literally held captive as their name would imply! They can work for only one of the many insurance companies out there, and will offer plans under their label. Much like a cook from Taco Cabana cannot work at Taco Bell!

Captive agents usually have a very deep understanding of their company’s product offerings, but there’s a downside to this as they cannot help people that do not qualify for their product offerings since they are limited to only what their company offers and their thresholds. But there is an upside to this though, if there is a rate pricing concern a captive agent will be able to work with the customer on price rather than just reducing coverages to achieve this.

Captive agents will also sell products that their company asks them to sell over others,


They sometimes have quotas!

so they do have quotas and due to this it causes them to push certain products only to meet their numbers—not just because it was in your best interest. So it becomes a question as to if this staying with one provider is an important factor to you, and if you accept both sides of that coin!

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