top of page
Search
  • Form America

We Represent Them, But We Work For You


When we started Form America, we never set out to get into the insurance industry. However, we listen to our customers. A large corporate customer wanted to purchase insurance from us, and we're going to invest in business where it makes sense. In the insurance industry, we determined we could do it better, faster and cheaper than the existing good-old-boys club. The very reason they will hate us as we continue to grow is the same reason our customers love us - we're different. We won't play the games. Our interest is the best products at the cheapest possible cost. We are breaking the back of multiple industries, and we've only just begun. Insurance salesmen have been ripping people off for a long time.

We had two choices. After our founder ACED the Florida state insurance exam, he had offers from nearly every large insurance company in the United States to come to work for them as a captive agent. He turned them all down, and as you would expect, went the independent path.

When it comes to purchasing life insurance, there are two main types of agents that consumers can work with: independent agents and captive agents. Both types of agents can provide valuable assistance in helping you find the right life insurance policy to meet your needs. However, there are several reasons why working with an independent life insurance agent can be advantageous over working with a captive agent. Choice and Access to Multiple Insurance Companies One of the main advantages of working with an independent life insurance agent is that they have access to a wide variety of insurance companies and their policies. Independent agents do not work for any single insurance company, which means they are free to shop around and compare different policies from multiple providers to find the best coverage and rates for their clients. On the other hand, captive agents work for a single insurance company and are limited to offering policies from that company. While they may have some knowledge of policies from other companies, they are not able to offer those policies to their clients. Unbiased Advice and Recommendations Independent agents are not beholden to any one insurance company, which means they can provide objective advice and recommendations based solely on the needs and goals of their clients. They are not incentivized to steer clients towards any particular policy or provider, as they are not tied to any specific insurance company. Captive agents, on the other hand, may be more likely to recommend policies from their parent company, as they may have sales quotas or other incentives to do so. This can limit their ability to offer unbiased advice to clients. Flexibility and Customization Independent agents can provide more flexibility and customization options for their clients when it comes to policy design and coverage options. They are able to compare and contrast policies from multiple providers and can tailor coverage to fit the specific needs and budget of each individual client. Captive agents are limited to offering policies from their parent company, which may not have as much flexibility when it comes to policy design and customization. Personalized Service and Attention Working with an independent agent can provide a more personalized and attentive experience for clients. Independent agents typically work with smaller, boutique agencies, which means they have more time and resources to devote to each individual client. They can provide more personalized service and attention, answering questions and addressing concerns in a timely and effective manner. Captive agents, on the other hand, may work for larger, more corporate agencies, which can limit their ability to provide personalized service and attention to each client. Cost Savings Finally, working with an independent agent can often lead to cost savings for clients. Independent agents have access to a wider range of insurance providers and policies, which means they can compare rates and find the most affordable options for their clients. This can lead to significant cost savings over time. Captive agents, on the other hand, may not be able to offer the most competitive rates, as they are limited to offering policies from a single provider. There are many reasons why working with an independent life insurance agent can be advantageous over working with a captive agent. From choice and access to multiple insurance companies to unbiased advice and recommendations, flexibility and customization, personalized service and attention, and cost savings, independent agents can provide a superior experience for clients looking to purchase life insurance.

We represent the insurance companies we are partnered with, but we work for you.

2 views0 comments

Recent Posts

See All

Yorumlar


bottom of page