Most insurance agents are independent contractors that help to market the companies. They charge a fee for every sale they make and most work independently. They have the benefit of being knowledgeable about the ins and outs of the insurance industry and can provide a wealth of information to a client.
Insurance brokers have always been at the forefront of providing clients with insurance services. In times past, they had to spend a large amount of time and effort getting the customers to take them seriously and sign up for insurance policies.