Florida Health Insurance Agents
By Joel J. Ohman
There are a number of different types of health insurance agents in the state of Florida. Independent health insurance agents and captive health insurance agents comprise the two main categories of health insurance agents in Florida. Learning some of the differences between the two types of health insurance agents can greatly help you in choosing what type of Florida health insurance agent can best meet your health insurance needs.
First of all, there are many outstanding Florida insurance agents that are captive agents just as there are many outstanding Florida insurance agents that are independent agents. It should go without saying that you want to work with a health insurance agent that actually lives in Florida, handles himself/herself in a professional and ethical manner, and looks out for your best interests. Contrasting the pros and cons of both Florida independent insurance agents and Florida captive insurance agents should not be misconstrued as a positive or negative outlook on a specific individual agent or his/her character and business practices.
That being said, there are many advantages to working with an independent health insurance agent as opposed to working with a captive health insurance agent. Why is that? First of all, let's define both a captive insurance agent and an independent insurance agent so that we have a clear understanding of what each term means.
A captive health insurance agent is an agent that is held "captive" by one specific health insurance company. That captive agent can only work with that one health insurance company and can only sell health insurance products from that particular health insurance company. All of this is specified in the agent