An insurance agent is a person who has passed state-required examinations to be qualified to help the public with their insurance needs. They can either work for a company or they can sell it independently. A certified agent can sell health, life, car, home, business and other types of insurance.

Why Do I Need One?
It can be helpful to have an insurance agent because they know the ins and outs of the business. They have studied the laws, understand conditions and are familiar with the plans. Insurance agents can help you find the best policy for you. Additionally, they can identify ways of bundling your plans in order to save you money.

Agents are also familiar with insurance terms and language. They can help you fill out your paperwork properly. If you have questions, they are there to help you understand.

These days, you can take care of a lot of your insurance claims online. You may not even need to interact with a person. But if you encounter a problem or a question that requires more assistance, an insurance agent can be helpful.

Captive vs. Independent Agents
Insurance agents can either work for a particular company or they can work independently and offer packages from a variety of companies. Both can be advantageous, depending on your needs. There are also cautions to consider with both.

Captive agents are those who work for a particular company. They are predominantly paid salary instead of by commission. This is something you can verify with the company. Even though it’s less likely a commission will motivate your agent when he or she is receiving a salary, the company may pressure your agent to sell one plan over another.

Since independent agents don’t work for a particular carrier, you typically have more options to choose from. With more options comes the chance of finding the lowest insurance rates. These agents can also do the shopping around for you, which can save you a lot of time. If you choose to go through someone who works independently, make sure it’s someone you can trust. The last thing you want is someone who is just looking to make his or her commission off of your plan.

Finding an Agent
Selecting a good insurance agent is the most critical part of the process. Your insurance agent can make a large impact on the experience you have, and on the price and terms of your plan. Below are some of the most important qualities for him or her to possess.

• Look for someone who:
• Is licensed
• Listens to your particular needs
• Is more interested in helping you than in obtaining the biggest commission
• Is easy to get a hold of
• Tells the truth and deals honestly with you

The best way to look for an independent insurance agent is to shop around. Ask your family members and friends if they know any insurance agents and what their opinion is about them. Talk to insurance agents and try to determine which one you are most comfortable with. Request referrals and follow up with them.