WHEN YOUR AGENT IS NOT AN INDEPENDENT AGENT--Getting coverage at great rates and accurate claims payment are important to you. If your agent is not an independent agent, then he or she works for the insurance company first and for you second.
WHEN YOUR AGENT USES INSURANCE COMPANY REPRESENTATIVES-- to enroll your group insurance plan. If your agent uses company representatives to enroll and service you and your employees (the core products or supplements), the company rep gets paid to recommend his company — even if his product is not the best product for you or your employees.