Why an independent advisor?
No corporate structure, sales quota, script, or policy restrictions. My business is tailored to your needs, your passions, and your goals.
As an independent agent, I have access to a broad range of companies’ policies to ensure that I find the best fit for you (see Services page). In addition to my resource access, independent agents are legally obligated to act in your best interest. I am significantly more involved; from initial interviews to policy activation, I will be your familiar face and ‘go-to’ consultant for a lifetime. Periodic review of your policies, goals, and trajectories is of top priority to ensure that you are always receiving the best, personalized coverage and advising possible.
As I explored the industry from various perspectives, I came to the conclusion that in order to best serve my clients, I would need to be an independent agent. A slight sacrifice to my own security for significantly better product potential for my clients was a no-brainer. My success will come from yours.
Insurance agents are either employed directly by insurers or are independent representatives of specific insurance companies, categorized by:
Captive agents: represent a single insurer or are bound by arrangements to represent a single insurance entity. The agent only sells that company’s products for a commission.
Independent agents: hold contracts with two or more insurers. Business is placed through managing general agents (MGA) who facilitate application and commission.
DS Life & Health Insurance Brokers is an independent brokerage through Financial Horizons MGA.
For more detailed information on independent agents versus captive agents, you are strongly encouraged to do your own research and/or see the links below:
7 Reasons to Choose an Independent Agent
