Although many people believe it, they are not the same. Insurance agents and insurance brokers are professionals who, despite carrying out their work in the same sector, do so differently.

What is an insurance agent? What types are there?

An insurance agent can be defined as a mediator whose professional activity is linked to an insurance company specifically by contract. There are two types of insurance agents: exclusive and linked. 


Exclusive insurance agents are registered in the Agent Registry of a specific insurance company . It is the same company that is responsible for training and preparing their own professionals.


The linked insurance agents work for several insurers at the same time . In order to do this, it is necessary to pass a specific training and also a test, in addition to having permission from the insurer.

What is an insurance broker and how does it work?

As part of the  differences between agent and insurance broker, the insurance broker mediates between the different insurance companies and the client without being linked to any of the first. This in itself is already a great advantage as an independent consultant, but other features are still important:


The insurance broker is a qualified professional. In order to carry out his work, he is required to carry out an objective analysis that will allow him to make the appropriate proposal to the client based on professional criteria . In Spain, insurance brokers are required to pass tests annually designed by the Directorate General of Insurance and train continuously on a three-year basis.


Its objective is to offer professional and objective advice , which implies being impartial. Something that facilitates the fact that insurance brokers are not linked to any specific company.


An insurance broker is required a lot of training and also has professional obligations such as informing the client about the conditions of the insurance contract that they believe should be highlighted for the benefit of their client .


The insurance broker will establish a relationship of closeness with the insured looking after their interestsand always offering the offer of coverage that best suits their characteristics, conditions and budget, being the contact person of trust between the insurer and the client. This is part of  everything an insurance broker can do for you .

Next to the client

The insurance broker, as a professional, is also obliged to inform, advise and assist the client at all times, especially in the event of a loss. Therefore, it can be said that the insurance broker is a professional who is always by the side of the client looking after their interests , including surveillance of news and interests.

Here you can see the full  benefits of having an insurance brokerage such as Nogal .

As a user, with which professional I am more interested in hiring my insurance?

Insurance agents work defending the interests of one or several companies in the sector. This implies that, if you are interested in a particular company and policy and are looking to hire it directly, an insurance agent is the best option you can talk to.

If, on the other hand, your primary objective is to obtain personalized and comprehensive coverage in your insurance, good price and defense of your interests , then do not doubt that what you need is to have the service of a good insurance brokerage.

By way of summary, as a user, you will always get more advantages if you receive advice from an insurance broker . Your advice, in addition to impartial, is free and does not increase the price of insurance you hire. Contact Nogal Insurance  and get all kinds of information and answers to your questions.


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