10/12/2026
💡 CAPTIVE vs. INDEPENDENT — What’s the difference?
You may not realize there are different types of insurance agencies!
🔒 Captive Agency: An agent typically represents one insurance company and offers the products available through that company. Think companies like State Farm or Texas Farm Bureau.
🔓 Independent Agency: An independent agent or broker can be appointed with multiple insurance carriers, giving you more options when it comes to coverage and price.
That’s where working with me comes in! 🙋🏻♀️ Instead of having just one carrier to offer, I can compare options from companies we’re appointed with, such as Progressive, GEICO, Allstate, Travelers, Liberty Mutual, and more.
There’s nothing wrong with either type of agency — but if you like having options and someone who can do the comparing for you, an independent agency may be a great fit!
One agent. Multiple carriers. More options. 🙌
📲 Karis Wade | Insurance Broker
(903) 352-7792