Captive Agents

1. Their insurance company often prohibits use of other companies.

2. Certain types of policies are pushed more than others at the insurance company’s request.

3. Agents are required to meet strict quotas, so may push for policies or policy types that are not as necessary.

4. Agent is prohibited from referring you if they can’t sell you a policy.

Independent Agents

1. Fewer regulations imposed by insurance companies.

2. Can provide several types of insurance. At Balcos, we offer personal and business insurance to fit your individual needs.

3. Ability to compare price, product and service among a variety of companies.

4. Ability to get a policy through another insurer if a primary company can't write the policy.