Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 29, 2021

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The Brief

  • Many life insurance companies allow independent agents to sell their life insurance products
  • Most independent life insurance agents offer products from numerous companies and can find you a more affordable policy
  • Life insurance agents might carry products from popular brands like Liberty Mutual, but sometimes smaller companies offer better rates

If you’re searching for sample life insurance rates, you might want to look into life insurance companies that use independent agents. Some independent agents might be able to save you money.

Shopping for life insurance can be a tedious process. We’ll help speed things up by highlighting the best companies for independent agents, the benefits of using an independent agent, and how to get the best rates.

Read on to learn more about life insurance companies that use independent agents, or enter your ZIP code to get free quotes from the top life insurance providers in your area.

What are the best insurance companies for independent agents?

Most people don’t realize that many life insurance companies have different restrictions on who can sell their insurance products. Some companies only allow a company-specific agent to sell their policies.

This is likely a quality control issue and has the potential to have financial implications. In short, some life insurance companies have higher rates so they can pay their agent and still pocket some extra dough.

Most of the life insurance companies that don’t use independent agents are looking for consistency and to protect their company’s reputation.

Even so, some popular insurance companies do still utilize independent agents. Some of the popular companies include:

  • Metlife
  • Farmers
  • Liberty Mutual

You’ll also be able to find independent insurance agents for lesser-known companies like Encompass or Erie. Independent agents’ insurance is convenient because an independent agent can offer products from most of the companies listed above.

This is one reason why independent agents have the potential to find you the best rate.

How much does life insurance cost from an independent agent?

Life insurance rates will always vary depending on your situation. Your age, gender, coverage needs, policy riders, and even your health can play major factors in your life insurance rates.

Beyond that, your independent agent will likely have a multitude of insurance companies and products for you to choose from which will offer you a variety of rates.

Below, you’ll see an example of some term life insurance rates from life insurance companies that use independent agents.

Sample 20-Year, $250,000 Term Life Insurance Rates From Companies That Use Independent Agents
AgeFarmers - MaleFarmers - FemaleLiberty Mutual - MaleLiberty Mutual - Female
25$25.81$16.43$33.30$23.40
30$25.81$19.14$33.75$25.20
35$29.14$26.02$39.60$30.15
40$36.85$36.02$55.13$42.53
45$52.89$41.02$78.53$62.33
50$78.10$73.72$144.68$107.78
55$131.22$88.72$220.95$149.85
60$257.88$226.63$399.83$250.65
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You’ll see above that Farmers tends to be a bit cheaper than Liberty Mutual. The rates above are for healthy, non-smoking adults. Keep in mind that these rates will vary with changes in term length or coverage amount.

It’s also worth noting that Liberty Mutual is known to be one of the more expensive life insurance providers. So while you might be able to purchase a Liberty Mutual policy via an independent agent, they may have cheaper products.

How do I choose the best life insurance policy from an independent agent?

Shopping for life insurance with an independent agent shouldn’t be very difficult once you find one you can trust. In most cases, you’ll simply provide your agent with your coverage desires and they’ll provide several policy options.

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Of course, it might take some time to find a reliable independent agent depending on where you live.

How can I find an independent life insurance agent near me?

Most of the time, you should be able to use a search engine like Google to find independent agents insurance in your area. Otherwise, Yelp should offer a list of agents with easy-to-read reviews.

What if I want to become an independent life insurance agent?

Opening an insurance agency can be a lucrative decision. You’ll have to decide between representing one company with a big name, such as State Farm, or opening an independent business that offers many products.

A name like State Farm will automatically draw in leads for your business while an independent agency might take longer to establish clients and referrals.

The best life insurance companies to work for are often smaller insurance companies, according to Glassdoor. While you might not know a company like Family First Life, they have independent agents and some of the best employee ratings.

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Life Insurance Companies That Use Independent Agents: The Bottom Line

If you’re shopping for an affordable life insurance policy, an independent life insurance agent might be able to get you the best deal. It’s always important to shop and compare rates from multiple providers.

By now, you should have a better understanding of life insurance companies that use independent agents. Before you go, enter your ZIP code to get free quotes from the best life insurance companies near you.