Now many friends want to avoid risks in life by buying insurance, but there are more and more types of insurance products on the market, which makes people see things in a blur. When buying insurance, most people need to consult an insurance agent or an insurance broker because of their lack of understanding of insurance. Have you ever thought about buying insurance from an agent or a broker?

If you want to know whether to find an agent or a broker to buy insurance, you need to make clear the difference between them first. The so-called insurance agent is the salesperson of the insurance company directly under the insurance company. He can only sell the products of his own insurance company. If he sells the products of other insurance companies, it is a plane ticket and will be punished. Insurance brokers do not belong to any insurance company, but belong to the sales staff of an insurance brokerage company, and can sell the products of many insurance companies.

At present, the quality of insurance agents in China is mixed. If you buy insurance through an agent, you may meet a very professional and experienced agent, or you may meet an agent who exaggerates the coverage for your own sales performance. Therefore, if you buy insurance through an agent, you must read the relevant treaties of insurance products carefully and don't blindly listen to the opinions of the agent.

The biggest advantage of insurance brokers is that they can provide a variety of products for consumers to choose from. Because an insurance broker may dock the products of more than a dozen insurance companies, he can often analyze them from the perspective of customers and choose products that are more suitable for them. Insurance brokers also need to sell insurance to obtain performance commission, so it is inevitable that there will be certain conflicts of interest with consumers. It is not excluded that some insurance companies may develop insurance brokers into their own employees.

Generally speaking, whether you buy insurance through an insurance agent or a broker, there are advantages and disadvantages. The most important thing is that consumers should shop around, read the conditions of insurance products carefully, and choose the insurance product that suits them best according to the situation.

This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.