May represent multiple insurers.
An independent agent can often seek options from several companies, but not every company or policy in the market. Ask which carriers and coverage types the agency can access for your situation.
Choosing a licensed professional
Bring a plan to the agent conversation.
A good fit is more than a friendly call. Verify licensing, understand which companies an agent can represent, and ask how recommendations and compensation work.
Represents one insurer.
A captive agent generally sells for one company. That can offer deep familiarity with its products, but it is not a comparison of the broader market.
Verification sequence
Do these checks before sharing sensitive information.
- 01
Confirm the license
Use the state insurance department to confirm the individual or agency is licensed for the relevant line of insurance.
- 02
Understand representation
Ask whether the agent is independent or captive, which insurers are available, and whether any options were excluded.
- 03
Ask about compensation
Agents commonly receive commissions from insurers. Ask whether compensation differs among the products being discussed.
- 04
Review service after purchase
Clarify who handles policy changes, annual reviews, claim questions, renewals, and carrier communications.
- 05
Read before binding
Confirm limits, deductibles, endorsements, exclusions, effective dates, and payment terms in the actual proposal and policy documents.
Official starting points
Verify first. Then connect.
For licensed independent agencies
Offer preparation without turning it into lead capture.
We are developing a fixed-fee preparation workspace concept where consumers receive value first and choose whether to share a structured brief. Agency payment would never change the Compass, guide content, or proposal comparison.
Review the agency workspace concept →Prepare the handoff
Arrive with the questions already organized.
Complete the Coverage Compass, copy or print the plan, then use the Comparison Lab for every proposal you receive.