When you’re buying life insurance, who you choose to work with is just as important as the type of policy you buy. Many people don’t realize there are two types of insurance professionals: captive agents and independent brokers. Understanding the difference can save you time, money, and stress.
What is a Captive Agent?
A captive agent is tied to one insurance company. That means they can only show you the products their company sells. Even if another insurer offers a better price or more flexible coverage, they cannot recommend it.
What is a Broker?
An independent broker works with multiple insurance carriers. They aren’t tied down to just one company’s menu. Instead, they can shop around on your behalf to find the coverage that matches your budget and your needs.
Benefits of Working With a Broker
- More Options = Better Fit
Instead of being limited to one company’s products, you get access to multiple carriers. This means more chances of finding the right coverage at the right price. - Unbiased Guidance
A broker isn’t loyal to a single brand — they’re loyal to you. Their goal is to match you with a policy that actually works for your family. - Competitive Pricing
Since brokers can shop across carriers, they can help you find affordable premiums. This is especially valuable if you’ve ever been declined or rated higher due to health conditions. - One Point of Contact
Brokers simplify the process. Even though they work with many carriers, you still have one person guiding you through paperwork, underwriting, and questions. - Long-Term Relationship
Your life changes — marriage, kids, retirement — and your insurance needs change with it. A broker can adjust your coverage by comparing carriers again, instead of locking you into just one company’s offerings.
Bottom Line
When you work with a broker, you’re not just buying life insurance — you’re buying choice, flexibility, and advocacy. Instead of trying to fit your life into one company’s box, a broker builds a box that fits your life.
