To get the best deal on insurance, many people consult an insurance agent or broker. But did you know that there are different kinds of insurance agents and brokers and the one you choose can make a big difference in the type of service you get and the choices you're offered?

Here's the difference: Captive agents and brokers. Captive agents work with a specific insurance company, and as part of their business agreement with that company, they can offer only that company's insurance products. They may also be required to sell other products from that company, such as annuities. more >