You are a representative of a direct writer. What type of agent are you?

As a representative of a direct writer, you serve as a captive agent. Captive agents are individuals who work solely for one insurance company. They are typically tasked with selling the products offered by that specific insurer and represent that company's interests exclusively. This arrangement allows for focused training and in-depth knowledge about the company's offerings, which can enhance the customer experience.

Captive agents often benefit from the support and resources provided by their parent company, including marketing materials and administrative assistance. This direct relationship with one insurer distinguishes them from independent agents, who work with multiple insurance companies and thus have a wider array of products to offer clients.

Understanding the structure of different types of agents is crucial in the insurance industry, as it impacts how policies are marketed and sold, as well as the level of service and expertise that clients can expect.