The Benefits of Working with an Independent Insurance Agent

Why work with an independent agent instead of going directly to one insurance company? Here is what an independent agent does, and what they can and cannot do for you.

Insurance Tips

December 15, 2025 ยท 4 min read

  • When shopping for insurance, you have several options: going directly to an insurance company, using an online marketplace, or working with an independent insurance agent. Here's why working with an independent agent like RGI can benefit you.
  • What Is an Independent Insurance Agent?
  • An independent insurance agent works with multiple insurance companies rather than just one. This means they can offer you options from various carriers and help you compare coverage options for your needs and budget.
  • Benefits of Working with an Independent Agent
  • 1. Access to Multiple Carriers Instead of contacting each company individually, an independent agent can review the products from the carriers they are appointed with in one conversation. Which carriers and plans are available depends on your county, your eligibility, and the product.
  • 2. Personalized Service Unlike online tools, an independent agent takes the time to understand your unique situation, health needs, and budget to recommend the most appropriate coverage.
  • 3. Expert Guidance Insurance can be confusing. An experienced agent can explain complex terms, help you understand what you're buying, and ensure you have adequate coverage.
  • 4. Ongoing Support Your relationship doesn't end after you buy a policy. Independent agents help with claims, policy changes, and annual reviews to ensure your coverage still meets your needs.
  • 5. How Agents Are Paid You do not pay RGI Group a separate fee to review your options; agents are generally compensated by the insurance company when a policy is placed. You are also always free to enroll on your own through HealthCare.gov or Medicare.gov.
  • When to Use an Independent Agent
  • Consider working with an independent agent when: - You're shopping for coverage for the first time - Your needs have changed (new baby, retirement, etc.) - You want to compare multiple options - You need help understanding your choices - You've had a life change that affects your coverage
  • Why Choose RGI?
  • RGI Group is an independent agency licensed in Texas. We explain the options we are able to offer, in English or Spanish, by phone or virtual appointment, and we do not promise a specific plan, price, or savings.
  • Ready to review your options? Contact RGI Group for a no-obligation consultation.

Talk with a licensed Texas agent

Call or text (346) 888-8811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Open 24 hours, 7 days a week. Licensed in Texas. Guidance available in English and Spanish.