The answer to that question is quite simple. I believe that you should use a broker because when you purchase your life insurance or health insurance because you will have someone working in your corner. I am an Independent Insurance Broker in the State of Georgia. I work for my clients, not the insurance companies. Allow me to clear things up really fast. There are basically two types of agents. There are captive agents, that basically work for one company. They are contractually obligated, or should I say forbidden, to sell you another company’s product. The reason some agents work under these conditions is because the company feeds them a steady stream of clients. Even though the agent knows another company has better pricing/benefits, they cannot offer you that other product. Next we have Independent Insurance Brokers. These individuals, such as myself, represent many companies. We are able to shop around to ensure you get the best policy/pricing. When shopping for insurance it is always important to determine who your agent is working for. Are they looking out for your best interests? Or are they shoving you into a cookie cutter policy that they put all of their clients into because they don’t have any other choice. If you currently have a life insurance policy or a health insurance policy, I highly suggest you have an ethical Broker review your policy for you. You have no idea how much money you could save by teaming up with a broker.