What type of agent is self-employed and can offer products from several insurance companies?

An independent sales agent is self-employed and has the flexibility to represent multiple insurance companies. This means they can offer a variety of policies and products to clients, depending on their needs and preferences. The ability to work with several companies enhances the agent's capacity to provide competitive options and tailored solutions for their customers.

This contrasts with exclusive or captive agents, who represent only one insurance company and can only sell that company's products, limiting their offerings. Franchise agents are typically associated with a particular business model and may not have the same level of independence as an independent sales agent. Therefore, being able to offer products from several insurers gives independent agents a significant advantage in serving their clients effectively.