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Your broker earns a commission on every policy plus year-end bonuses for volume. That's why you have three auto policies for two cars and renewals all year long. The incentive structure behind your scattered insurance — from someone who used to earn the bonuses.

You're over-insured. You're under-insured. Your denied claim was denied correctly. The truths an independent insurance consultant can say — because nothing is for sale.

I spent 25 years owning an insurance brokerage. Now I sell nothing — and advise insurance buyers for a fee. Here's why independence changes everything.