If I have decided on a particular insurance policy I want, would it be better if I engage the insurer's agent or an independent one?

Hi anon,

Both work. Frankly I have no idea how the tied agency renumeration works since I was never from one, but there is no difference in a policy regardless of whether you get it from a tied agent or an independent.

You'll want to work with an advisor who fits you in terms of you being comfortable to share your details, and the advisor being able to give you the right advice for your situation.

Ultimately, no one can say that they will be here forever. I have a stock account client who asked me to take over his family's policies because their advisor died in a car accident (and I did). The contract is ultimately between the insurer and the assured. As advisors, as long as we can, we will be here to support you and answer your questions and help with your claims.

I believe that there is no definite answer on which is a better one.

But i would prefer an independent one that looks into more insurance products in the market, as this will be effective for my subsequent reviews when i need to adjust my coverage.

Also, I tend to look for agents that has been in the insurance industry for at least 5 years, because i personally think that the probability of an experience agent staying in the industry throughout my period of service is higher.

But this is just my assumptions, and it might not be true of course.