When it comes to buying insurance, you have two primary options available to you: independent agents and captive agents. While the two can provide insurance services, they are not the same, and it is important to understand the differences.

Captive Insurance Agents 

A captive agent works for a single insurance company, either as an employee of that company or as an independent contractor. This means that a captive insurance agent will be limited to the specific insurance products offered by that particular company, so they won't be able to help you if you need a type of insurance they don't offer, or shop around to find the best deals on the market. The insurance company may also push certain products, so there is no guarantee that you are truly getting what is best for you, not just what is best for the company. 

Independent Insurance Agents 

As an independent insurance agent, we are not bound to a single company and can assist you with insurance products from multiple providers. This enables us to shop around to get you the best possible rates. We offer a wide range of insurance products, and can help tailor a plan that fits your specific needs and budget.

We also take customer service very seriously. We’ll walk with you and work on your behalf through the claim process. We’re available for questions and we can even regularly review your policy to ensure it is still the best possible fit for you.

To see how an independent insurance agent can help you, get in touch with AES / SFVH today.