In some cases an agent may actually be employed by the life insurance company, although there are also agents who are self-employed.
If you’re looking for details about a specific life insurer’s products, an agent may be the best person to talk to.
However, if you’re trying to comparison shop across multiple life insurers, you may want to contact a life insurance broker.
Agents and brokers always provide their services for free, and earn commissions off of the life insurance policies they sell.
Here's how to comparison shop life insurance rates from a life insurance broker with access to 40 of the leading life insurance companies.