Explanation about the state
Insurance broker vs. Insurance agent
The broker acts on behalf of the clients. Committed to protect the interests of his customers. They are committed to protect the interests of their clients. They work in the interest of their clients. They are independent of companies, which means they are not tied to any one insurance provider.
An Insurance agent is an agent or an employee and therefore a lobbyist for the company that they work for. First and foremost they are committed to the interests of the company they work for. Due to this they are not independent or able to work only in the interest of the client.