Generally, when an agent contracts direct with a carrier they are considered “captive” to that company - meaning they cannot sell or represent products from another company. By contracting as an Independent Agent or Agency with an Insurance Marketing Organization, an agent is then free to offer their clients plans from a variety of carriers. Independent agents may sell a variety of insurance products to their clients, which otherwise may be limited when working directly with a carrier (Captive). Ultimately, this is a decision that an agent must make. Doing research before committing is important.