INDEPENDENT INSUARANCE AGENTS vs. CAPTIVE INSURANCE AGENTS

There are 2 types of life insurance agents: Captive and Independent.

Learn the difference to decide what is best for you.

Captive Life Insurance Agent
A captive insurance agent only represents one company such as State Farm. They can only sell that company’s products. These products are usually more expensive than other options. These companies are also more strict with their underwriting. This means they will charge more for life insurance or may decline you altogether if you have serious health issues.

Independent Life Insurance Agent
An independent agent represents multiple insurance companies. Some agents may represent 5- 10, but we represent over 70 insurance companies. This allows us to shop dozens of companies to find the lowest rate for your coverage. This also provides us many unique insurance options. Some of our clients started working with a captive agent. However, they were declined for coverage or their coverage was much more expensive than what we found. We were able to earn their business because we saved them money or found coverage for them when other agents could not.

As independent insurance advisers, we work for you and not the insurance companies.

To best serve your needs, we represent over 100 of the top A-rated or better insurance carriers to offer you a wider selection of coverage options while ensuring that the coverage will be there when you need it. Based in downtown RENO, NEVADA and licensed in several states to provide a superior level of service wherever you may live.

With one call or email, we will shop all of the top carriers on your behalf saving you time, money, and frustration. We compare - you save!

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