re: To Insurance Agents: Captive or Independent?

I would imagine it's like any other industry. In some cases you may be buying from an "order taker". But if you find a good agent, you should be relying on their expertise. I'm willing to allow a "travel agent" (as another person mentioned) to make a commission on my purchase if she can add some value. I certainly don't know the ins and outs of each industry, thus I rely on a professional to provide advice based on my needs.