An insurance agent sells policies for specific insurance companies. Unlike brokers who work with multiple insurers, agents typically represent one company (captive agents) or a few companies (independent agents).

Captive agents know their company's products inside and out, which can be beneficial if that insurer is a good fit for your needs. Independent agents offer more variety since they work with several companies. Either way, agents are there to help you understand your options and purchase coverage. Remember, they're ultimately paid to sell insurance, so while many agents genuinely want to help, it's still smart to understand your own needs before meeting with them.