What Is an Independent Life Insurance Agent (Broker)?
Independent agent vs. captive agent: why working with a broker can save you money on life insurance.
Captive vs. independent
A captive agent works for one insurance company and can only sell its products. An independent agent or broker is appointed with many companies and can compare them for you.
Does it cost more?
No. Insurance prices are filed with the state, so you pay the same premium whether you buy direct or through an independent agent — but you get expert shopping for free.
Finding one near you
Cuccaro Life Insurance & Retirement Planning is an independent agency based in Franklin, NJ, serving clients across New Jersey in person, by phone and by video.