Which of the following agents represents only one insurance company?

A captive or exclusive agent is a type of insurance agent who represents a single insurance company. This means they are dedicated solely to selling products and services from that particular insurer, and they often have access to the insurer's full suite of offerings. Because their focus is on one company, captive agents tend to develop deep knowledge about their company's products, underwriting guidelines, and service standards, making them effective advocates for the insurer's clients.

In contrast, other types of agents, such as independent agents, work with multiple insurance companies and provide a range of insurance products to their clients. This allows them to offer a broader selection of policies, but means they do not specialize in just one company. Similarly, general agents often oversee a network of sub-agents and may not be tied to a single insurer, while brokers represent clients in seeking insurance from various providers. By focusing on only one insurance company, captive agents can tailor their services and advice to align closely with that insurer's offerings, enabling a highly specialized approach to client needs.