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Showing posts with the label independent vs captive agent
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How to Choose the Right Insurance Agent in 2025 Insurance is a long-term relationship — and the right agent can make all the difference. In 2025, with both online tools and traditional advisors available, knowing how to choose the right insurance agent is more important than ever. ✅ What to Look For Licensed: Ensure the agent is properly licensed in your state Independent: Choose an agent who represents multiple insurance companies, not just one Experienced: Look for someone who specializes in the type of insurance you need (e.g. health, life, business) 💬 Ask These Questions How are you compensated — commission or flat fee? Which companies do you work with, and why? Can you explain my coverage options in plain English? How will you help if I need to file a claim? 📱 Digital vs. Traditional Agents Digital Agents: Great for fast quotes, simple policies, and tech-savvy clients Traditional Agents: Better for complex policies or personal advice Hybrid Agents: Offer...