866-308-4704 Monday - Friday: 7:00 am - 7:00 pm

Captive Agency vs. Independent Insurance Agency

Written by: Jason Brown
on 01 November 2013
Hiding Behind Money

Do you know the Difference?

A Captive Insurance agency represents one insurance company. Did that soak in?  They work for one insurance company.  If you call them, they SELL you that one product.  Mostly because they only have one option and one price to sell you.  Many of our clients have noticed that they tend to do more "selling." 

When you consult an advisor, do you rely on only one option?

An Independent Insurance Agency represents multiple rated insurance companies.  We work for our clients!  Transition Insurance will focus on your long term protection plan and we will always be able to compare multiple top rated insurance companies. Our belief, is that an Independent Insurance Agency system provides more of an Advisor role for our clients and helps us to build a flexible long term relationship.   Professionals and business owners need flexibility. And a long term advisor you can trust.

Still Confused? Think of the onslaught  and the billions of dollars of insurance advertising that is slung at you.  You can't escape it.

Examples of a captive insurance agent would include:

  • Allstate Insurance
  • State Farm Insurance
  • Nationwide Insurance
  • Geico Insurance
  • Farm Bureau Insurance
  • etc

They sling this catchy advertising at you in hopes that you'll forget they are selling you something rather can consulting with you on your situation and offering you multiple solutions that may hit your needs.

I may be a little biased, but using a Captive Insurance Agent doesn't seem like the best hit. Not if you seek a long term insurance advisor to have your back.  Not if you are a Professional or a Business Owner.  And not if choice, value or individual care is important.  

An Independent Insurance Agency, like Transition Insurance, works for you and has access to multiple insurance companies.   We analyze your needs then compare the protection plan and the insurance premiums across several top rated insurance companies.  A long term insurance advisor that will stick with you, offering you a solid protection plan and the power of choice when you need it.   Continuously managing your protection plan to help you make the decisions that are right for you and your loved ones.

Choose Choice. Choose an Independent Insurance Agency. 

Make the Move.  Transition Insurance.  Let's Chat.  866-308-4704