Access to Multiple Carriers – A brokerage works with several insurance companies, allowing clients to compare policies, coverage options, and pricing to find the best fit for their needs. In contrast, a captive agent represents only one insurance company, limiting choices.

Unbiased Advice – Since brokers are not tied to a single insurer, they can offer objective recommendations based on what’s best for the client rather than pushing one company’s products.

Competitive Pricing – With access to multiple carriers, a broker can shop around to find the most competitive rates and coverage, helping clients save money while still getting the protection they need.

Customized Coverage Options – Brokers can tailor policies to fit individual or business needs, whether it’s life insurance, Medicare, disability, or annuities, ensuring the client gets exactly what they need.

Ongoing Support and Advocacy – An insurance broker acts as a client advocate, assisting with policy changes, claims, and renewals, ensuring continued support throughout the policy’s life.