Becoming an independent agent was an easy choice for me. However, I was a "Career Agent" in the beginning. Career agents are employees and primarily represent their company.
I'm grateful for my work experience and especially with NewYorkLife, MetLife & Lincoln Heritage. However, I found that premiums can be vary between insurers and life insurance is so heavily-regulated that it really doesn't matter who you choose, in my experience. Whether you choose company A, B or C (apples for apples), I don't see a benefit besides maybe a few policy differences and price. So, why not look for more insurance for the same dollar?
Of course, there is something to be said for brand-name recognition. It can make a person feel better and that has some merit. Other than this, what really matters is having an agent you can trust to provide you with a competitive policy and great service.
Thank you!
Chris Stewart, Independent Agent
Insurance License #5906075
