
High-net-worth individuals or those interested in the cash-value components of permanent life insurance. Comparison Summary Personalized Advice Direct Online Independent Broker Captive Agent Employer/Group whole life insurance? Life Insurance Buyer's Guide - Ent Credit Union
Tech-savvy shoppers looking for convenience and simple term policies. 2. Independent Agents and Brokers
These agents work exclusively for a single insurance company (e.g., State Farm or Allstate). While they only offer products from that one brand, they often have deep expertise in that company’s specific policy "riders" and bundle options.