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What Exactly is an Independent Insurance Agent?

Choosing the right insurance is a very important decision. How much can I afford? What limits do I need? What deductible is best for me? The list goes on…. It can be an overwhelming task. That's where we come in.
There are a few different ways to get insurance. First, there are captive agents. A captive agent will represent only one company exclusively, and will be able to provide only the products and prices of that one company. At least here you get an agent to advise you. Second, there are direct writing companies who sell insurance to you over the phone or by the internet. They sell one company's products directly to individuals, without the benefit of an agent to assist or inform them. Many times the people you talked to are licensed, but often not in the correct state. Last, and most important, there are Independent Insurance Agents. That's what we here at OHL Insurance & Financial Services are. Simply put, we have choices, lots and lots of choices. We work with many different insurance companies to help you find the best possible rate and coverage to fit your specific needs. We can also help with many different kinds of insurance, so that if you have multiple policies, say, for example your home, auto, and business, you will only need to make ONE phone call. Isn't that something we all are aiming for, simplicity! Life is complicated enough. Let us help you with this part.
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