Direct answer
It depends on your need for options, as an insurance broker represents multiple carriers to find the best rate, while an agent typically works for one specific company. If you have unique health conditions that require underwriting flexibility, a broker is often better equipped to compare diverse final expense policies.
Industry standards on professional licensing distinctions between captive agents and independent brokers. For additional information about professional licensing and consumer protections, see the National Association of Insurance Commissioners‘ state-based regulatory resources.
What this means for you
It depends on your need for options, as an insurance broker represents multiple carriers to find the best rate, while an agent typically works for one specific company. If you have unique health conditions that require underwriting flexibility, a broker is often better equipped to compare diverse final expense policies.
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