While we often think about insurance agencies only by the types of insurance they sell, there is another way insurance agencies are classified.

This differentiation may have a profound impact on the choices they can give you and their ability to offer you a more customized package.

There are two primary types of insurance agencies in the United States – a captive agency and an independent agency. First State Insurance (FSI) is a full-service independent insurance agency, but what does that mean for you?

An independent agency partners with and can sell various insurance products from multiple insurance companies. Everyone’s insurance needs are different. The flexibility independent insurance agencies provide gives you unbiased advice from your agent and a more customized package that fits your unique needs.

On the other hand, a captive agency works for one insurance company and can only sell that company’s proprietary products. The main benefit of working with a captive agent is that they have more of an extensive knowledge of their policies because they have a limited number of options. However, working with a captive agency tends to come with extra fees.

At FSI, our team members focus on getting to know our customers and assessing what you need in an insurance plan. As an independent agency, we take that knowledge and find you the best plan possible to fit your lifestyle. Contact us to schedule a time to review your current policies.