A marriage or birth may prompt a review of your life insurance needs. Your agent can also help you determine the kinds of coverage needs you might have when you start a new business. The bottom line is that your agent is in business to make sure you have the protection you need. By being aware of the significant changes in your life, she will be better able to help you determine what coverages, if any, are needed. Basically there are three ways insurance companies sell their products.
Some companies have their own agents who only sell that company's products.
Others, like Travelers, sell their products through independent agents who represent many companies. From the customer' s point of view, independent agents mean choice. If you talk with a telephone sales rep, or an agent who works exclusively for just one insurance company, you'll be talking with someone whose job is to sell you only their company's product. In the end, it's your choice to make. The Travelers Insurance Company and its affiliates.