As an independent life insurance agent, an insurance company has to agree to allow the insurance agent to represent their insurance company. The official agreement between the insurance company and insurance agent to represent an insurance company is known as a carrier appointment to the insurance agent.
The more carrier appointments, the more products and services an insurance agent can offer and sell to its clients. Also, the more knowledgeable the insurance agent is of the various products and services offered by different insurance companies. This means an independent agent works within the best interest of their clients by shopping around for the best insurance rates and also better fitting the needs of clients when shopping for insurance.