An insurance agent helps clients choose insurance policies that suit their needs. He or she may also be called an insurance sales agent. Clients include individuals and families as well as businesses. A captive agent works for an insurance company, and only sells that company's products.
An independent insurance agent or broker represents several companies. Types of insurance include property and life casualty, health, disability, and long-term care insurance. Many insurance agents also sell mutual funds, variable annuities, and other securities.
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