| There are a number of different types of health | | | | health insurance company. All of this is specified in |
| insurance agents in the state of Florida. | | | | the agentýs contract and to attempt to sell |
| Independent health insurance agents and captive | | | | a product from another health insurance company |
| health insurance agents comprise the two main | | | | is not possible. |
| categories of health insurance agents in Florida. | | | | An independent health insurance agent is an agent |
| Learning some of the differences between the | | | | that is not tied to working with only one particular |
| two types of health insurance agents can greatly | | | | health insurance company. An independent health |
| help you in choosing what type of Florida health | | | | insurance agent typically has a contract with 3-5 |
| insurance agent can best meet your health | | | | of the top health insurance companies that offer |
| insurance needs. | | | | coverage in the agentýs state (some |
| First of all, there are many outstanding Florida | | | | independent agent's have contracts with even |
| insurance agents that are captive agents just as | | | | more than 5 insurance companies - although the |
| there are many outstanding Florida insurance | | | | level of quality of the health insurance companies |
| agents that are independent agents. It should go | | | | begin to drop off quite significantly after the top |
| without saying that you want to work with a | | | | 3-5). Independent health insurance agents have |
| health insurance agent that actually lives in Florida, | | | | many more options available to them that they |
| handles himself/herself in a professional and ethical | | | | are able to offer to their clients than does the |
| manner, and looks out for your best interests. | | | | typical captive health insurance agent. |
| Contrasting the pros and cons of both Florida | | | | What does all of this mean to you; the Florida |
| independent insurance agents and Florida captive | | | | health insurance shopper? Be cautious when an |
| insurance agents should not be misconstrued as a | | | | agent tries to push a particular company or |
| positive or negative outlook on a specific individual | | | | product on you without allowing you to compare |
| agent or his/her character and business practices. | | | | other options against his/her recommendation. |
| That being said, there are many advantages to | | | | Maybe you are dealing with an agent that is |
| working with an independent health insurance | | | | captive and can only work with one company. Or |
| agent as opposed to working with a captive | | | | maybe you are dealing with an agent that can |
| health insurance agent. Why is that? First of all, | | | | work with other companies but chooses to only |
| let's define both a captive insurance agent and an | | | | represent one particular company. Also, keep in |
| independent insurance agent so that we have a | | | | mind that you and your families health insurance |
| clear understanding of what each term means. | | | | needs will change over time and you will profit |
| A captive health insurance agent is an agent that | | | | from establishing a relationship with an |
| is held "captive" by one specific health insurance | | | | independent health insurance agent that will be |
| company. That captive agent can only work with | | | | able to help you compare multiple Florida health |
| that one health insurance company and can only | | | | insurance quotes from multiple health insurance |
| sell health insurance products from that particular | | | | companies both now and down the road. |