The difference between being an insurance agent, and an insurance broker:

Agents work directly for an insurance company selling the policies of that company. No matter if there are better policies, or the same policy at a lower rate somewhere else. An agent still has to sell the policies of the company they work for. An insurance broker on the other hand works for a client to help find the best terms, and the lowest rates for their insurance. For about half of my career I worked as an agent. While I was able to help a lot of people, I was also limited to the products the company I worked for offered.