There are some straightforward benefits of having your own insurance vs taking insurance through your agency, like: – Coverage starts day 1 of your assignment – Easily take your insurance plan from agency to agency – No gaps in coverage or pain of switching plans – Maximize your take home pay from the agency But sometimes your agency will actually offer an amazing plan, and even pay for the majority of the premium. If your agency offers a better plan that what your advisor can find for you, you should totally take your agency’s insurance.