Who typically provides insurance agents with ownership and control of policies?

Independent agents typically provide insurance agents with ownership and control of policies. This is because independent agents are not tied to a single insurance company; instead, they represent multiple insurers and have the autonomy to sell policies from various carriers. This arrangement allows independent agents to maintain ownership of the policies they sell and have greater control over their clients, as they can offer tailored solutions based on the specific needs of their clientele.

In contrast, exclusive agents generally work for one particular insurance company, which means they do not have the same level of authority over the policies they handle. General agents often have a broader role in managing multiple agents and may primarily focus on recruitment and oversight rather than direct ownership of policies. Direct writers, on the other hand, sell policies directly to the consumer on behalf of the insurance company, but they do not provide agents with the independence or control that independent agents do.