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