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Insurance Basics
Captive Agent
An insurance agent who sells policies for only one carrier.
Captive agents work for a single insurance company — Allstate, State Farm, Farmers, etc. — and can only sell that company's products. Their advantage is deep product knowledge for one carrier; the disadvantage is they can't shop your profile across multiple carriers if their carrier's appetite or pricing is wrong for you. Independent agents and brokers, by contrast, represent multiple carriers.
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