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<p><span>The Ontario Securities Commission (OSC) today announced the membership of its Seniors Expert Advisory Committee (SEAC) for the 2021-2022 term.</span></p>
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January 14, 2021 4:00 AM Tony Steuer - Forbes Advisor
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January 15, 2021 12:19 PM
All life insurance agents are not the same. Life insurance policies can be complex, so depending on your needs, you need an insurance agent who is qualified to help you find the right policy. Your agent should also be committed to providing ongoing service.
There are two main types of insurance agents:
Captive agents. These agents primarily represent one specific insurance company.
Independent agents. These agents represent multiple insurance companies.
This an important distinction, as captive insurance agents will generally recommend policies only from their primary insurance company. Captive insurance agents will in some instances offer policies from other companies such as when the primary company does not offer the specific type of policy wanted or the client is not able to qualify for insurance.