Life Insurance Agents and Brokers

Life insurance agents act as field sales representatives for the companies to which they are under contract. They may be under direct contract or work through a general agent who holds a contract. Insurance brokers represent the insurance buyer and do not sell for a particular company but place insurance policies for their clients with the company that offers the best rate and coverage. In addition, some brokers obtain several types of insurance (automobile, household, medical, and so on) to provide a more complete service package for their clients.


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