Unfortunately, every captive agent you meet can only prescribe what their employer allows. The problem this creates is when an agent has limited products, they cannot truly serve the needs of the individual they are with. Instead, they can only try to sell the products they have access to. It's not that they mean to be limited to fitting everyone into the only options they have. Many captive agents are unaware of the fact that they are effectively operating in a sales capacity rather than service.

When working with a Nationally Registered Broker, you are no longer working with an employee with a narrow scope of options. Brokers can recommend products from companies that deliver huge value because they don't spend any money on advertising. When companies don't spend money posting their name on billboards or repetitive television commercials, the policy holders win.

Instead of receiving a "one-size-fits-all" solution, your options aren't limited by working with a single company or the product line they represent. This removes all of the guesswork out of the equation for the consumer in regards to finding the most suitable coverage. By allowing a Broker to shop through all the top national carriers available, it becomes the Brokers job to use their knowledge of underwriting guidelines to find you the highest value policy at the lowest possible price.