When it comes to putting coverage in place for yourself or for your family, you may be wondering why you would choose to work with a broker as opposed to a “captive agent.” A captive agent is an agent who specializes in and works exclusively with one company or insurance carrier. They offer all or most of the products that that one carrier offers, and they cannot offer you anything outside of that range of products. There are times and places when this makes sense and when it leads to the best deals for you or you and your family. For instance, there are sometimes products that carriers only allow their own captive agents to offer. They may have brokers they work with, but they do not allow these brokers to offer some of these exclusive products. If you would benefit from one of those products, then it would make sense for you to work with a captive agent that can meet that specific need. I have on multiple occasions, referred a client to work with a captive agent to get this sort of service when I could not offer them what they needed.
I am a broker and love being an insurance broker. That simply means that I am not a captive agent and I offer many different companies’ products, services, and plans. I think this serves people better in most cases because I can shop around for the client, after finding what their need is, and find something that meets that need and is the most affordable of all the options. I am also able to help clients with varying degrees of health for this same reason. While some of my options have more strict guidelines when it comes to health, I have other options for clients with companies that specialize in or simply offer products to higher risk clients. This helps more people get the coverage that they need. There are many more reasons I like to have options but what someone needs all depends on their specific situation. Make an APPOINTMENT today so that we can work through the needs and find the perfect fit for you and your family.
Joseph Doppe
