In which marketing distribution system does the agent represent multiple insurers?

The independent agency system is characterized by agents who represent multiple insurance companies. This flexibility allows independent agents to offer a wide range of products and price points to their clients. Since they are not tied to one specific insurer, they can tailor their offerings to meet the diverse needs of their clients, giving them the ability to shop for the best coverage options and premiums from various insurers. This system contrasts with exclusive agencies, where agents represent only one insurance company, limiting their ability to compare options across different providers. The direct mailing system and direct writing system do not involve agents in the traditional sense; instead, they focus on marketing and selling insurance products directly, either through mail or directly through the insurer itself. Thus, the independent agency model allows agents to leverage multiple insurer relationships to better serve their customers.