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Why it matters

Independent agents
work for you.
Not one company.

A captive agent sells what their employer approves. An independent agent shops 30+ carriers and recommends what fits your life — with no quota to fill.

Find a vetted independent agent →
What independence means
30+
Carriers an independent agent can access — vs. one for a captive agent
$0
Quota or sales target from any carrier — they earn by finding your best fit
1
Agent relationship — not 50 lead buyers calling for weeks

How it's different

Captive vs.
independent.

Captive agent
Independent agent
Sells products from one company only — their employer
vs
Shops 10–30+ independent carriers to find your best fit
Employed or contracted by a single insurance carrier
vs
Works for you — licensed independently, accountable to you
Carries a quota from their employer — has to sell their products
vs
No quota from any carrier — recommends what's right for your situation
Limited to that company's term, whole, and UL lineup
vs
Access to term, whole, IUL, GUL, and more across many carriers
You start over — new agent, new application, new relationship
vs
Your agent re-shops the market without you starting from scratch

What you gain

Three reasons
independence wins.

1

More options. Better price.

When one agent shops 30+ carriers, you get competitive pricing without applying to 30 companies. Rates for the same coverage can vary 40% across carriers.

2

No conflict of interest.

An independent agent earns commission from whoever places your policy — so their incentive is finding the carrier that approves you at the best rate, not pushing one brand.

3

One agent, your whole picture.

As your needs change — term today, whole life later, key-man coverage — an independent agent re-shops your full situation instead of you starting over.

30+
carriers per independent agent
1
company a captive agent can sell
40%
rate variance across carriers for same coverage
127
cities with MLA-vetted independent agents

Our standard

Every MLA agent is
independently verified.

We don't just take agents at their word. Every agent passes a four-point vetting check: active state license, state resident, 10+ carrier appointments, and a clean DOI record.

See our full vetting process →
Four-point check
1
Active state insurance license
2
Resident of the state they serve
3
10+ independent carrier appointments
4
Clean DOI complaint record

Ready to meet a local independent agent?

127 cities. Every agent vetted. No account needed.

Find an agent in your city →