What type of agent primarily sells products from only one insurance company?

A captive agent primarily sells products from only one insurance company, representing that company's interests exclusively. This means that the agent is typically well-versed in the specific products and services offered by the insurer they represent. Because they focus on a single company's offerings, captive agents can provide detailed knowledge about the policies and options available, as well as tailored customer service aligned with that company's benefits.

In contrast, independent agents operate differently, as they can sell insurance products from multiple companies, giving them the flexibility to offer various options to their clients. Brokering agents also work with multiple insurers but usually act as intermediaries rather than representatives of a single company. Franchise agents associate with larger organizations to sell their products but do not exclusively represent one insurance carrier. Thus, the distinctive characteristic of a captive agent is their exclusive representation, highlighting their specialized role within the insurance market.