So, you feel a little uncomfortable asking about the difference between captive and independent insurance agents. That’s why you’re here looking for an answer. I’ve been there, and that’s why I’m writing this blog post for you.

For those of you looking to build your multifamily property portfolio, there are a number of different questions that you need answered, or different areas or aspects of your business that you need to ensure you’re handling properly. We’ve talked in the past about making sure you have the right people on your team, and how one of those key team members is someone who can handle your insurance. That’s what I want to help you understand today.


The best way to explain the difference between a captive agent and an independent agent is if you imagine you worked for a company and wanted to build a certain type of software. Let’s say you need software that’s going to help your business run more efficiently, but you have two choices.

On the one hand, you can go to a big company who’s going to sell you their solution and no one else’s. For example, you might go up to them and tell them your issue. They would then take a look at their various products and select one that might fix your problem. This is the same as a captive agent, which is someone who sells one particular brand of insurance.

On the other hand, you may want to look for a number of different solutions for your specific situation. In this case, you might see a consultant, who would ask you exactly what you were looking for and find the best solution for your particular situation, no matter the brand. This is the same thing as an independent agent, who will listen to your needs, take a look at several different brands, and find what’s best for you.


Of course, there are pros and cons to each type of agent, but that’s a different blog entry altogether. You can leave your questions or comments below, and I’ll try to answer some of the differences between the two types of agents.

For those who don’t know me, I’m Billy Keels with KeePon Cashflow. I like to share a number of different strategies and tips for how you can make more money, have control over your free time, and ultimately live with less stress.

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That’s my two cents for today. As always, hasta la próxima.

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