Insurance agents usually represent one insurance company so they can only offer you options from the company they work for. Brokers act as a middleman between you and an insurance carrier(s). He (or she) fights for your best interests, but understands the insurance company’s perspective so that you as the client are well taken care of. While agents are focused mainly on selling policies for their insurance company, brokers help clients choose between multiple options from multiple insurance companies.
The Insurance Solutions Experts are experts in finding you solutions for your insurance problems. We will provide you with multiple solutions to choose between and then educate you on the pros and cons of each option so you can decide on the plan(s) that best fits your needs. Those solutions may be from multiple carriers or just one carrier. The solutions we present to you will be based on what we feel best meets your needs and budget. We offer health, life, dental, vision, Medicare plans, accident, cancer, critical illness and group options.
| Insurance Agent | Insurance Broker | |
|---|---|---|
| Who do they work for? | Insurance company | The client |
| How many carriers can they offer? | Usually just one | As many as they feel meet the needs of the client |
| How are they compensated? | Salary and/or commission | Commission from the carrier(s) |
| What do they do for clients? | Sell policies from their insurance company. | Compare policies from multiple carriers and help the client choose a plan |
| Best reason to use them? | Client only wants to look at one carrier | Client want to compare plans from more than one carrier |
| What products do they offer? | Some agents have very limited product offerings because they can only sell products from one company. | Brokers are usually able to offer many more options because they can contract with multiple carriers and are not limited to offerings from one company. |
Notice to Medicare Beneficiaries: We do not offer every plan in your area. Currently we represent 8 organizations which offer 69 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.