Captive Agents


Agents come in a few sub-categories, depending on the insurance company. For example, agents can be involved in sales, support, or service. However, in almost all cases, they still need to be licensed. Captive Agents can work in the field and visit your home and office, or they can offer insurance just by the Internet or telephone. The one thing they have in common is that they are working for one company. There is a benefit to everyone in this in that the agents are usually well informed on their products and can explain them easily.They are also very connected to their superiors and Underwriters (Underwriters set premiums and decide whether a client is insurable or not). It’s easier offering one company’s products, and it’s nice to be able to negotiate with someone you 

know in underwriting if you need some special concessions for a difficult-to-insure client or situation.

Being a captive Agent also removes pressure from Agents because they generally work on a salary. In addition, several insurance companies are direct-to-consumer only. Therefore, they only offer their product through employees. The concept sounds good – They don’t have to pay commissions to pass those savings on to customers. But there is more than meets the eye here – They still have to spend millions on celebrities and television super bowl commercials.

Captive Agents


Agents come in a few sub-categories, depending on the insurance company. For example, agents can be involved in sales, support, or service. However, in almost all cases, they still need to be licensed.Captive Agents can work in the field and visit your home and office, or they can offer insurance just by the Internet or telephone.

 The one thing they have in common is that they are working for one company. There is a benefit to everyone in this in that the agents are usually well informed on their products and can explain them easily. They are also very connected to their superiors and Underwriters (Underwriters set premiums and decide whether a client is insurable or not). It’s easier offering one company’s products, and it’s nice to be able to negotiate with someone you know in underwriting if you need some special concessions for a difficult-to-insure client or situation.

Being a captive Agent also removes pressure from Agents because they generally work on a salary. In addition, several insurance companies are direct-to-consumer only. Therefore, they only offer their product through employees. The concept sounds good – They don’t have to pay commissions to pass those savings on to customers. But there is more than meets the eye here – They still have to spend millions on celebrities and television super bowl commercials.

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