Unaffiliated Insurance Agent

A licensed agent who appoints themselves and holds NO appointment from any insurer — practicing as an independent consultant analyzing or abstracting policies, giving insurance advice, or making recommendations/comparisons for a fee established in advance by written contract signed by both parties. An unaffiliated agent may NOT: hold an insurer appointment on any license, transact/solicit/service contracts on an insurer's behalf, interfere with an appointed agent's commissions, or receive compensation from insurers or insurer-appointed agents for transactions/referrals after the unaffiliated appointment date. They MAY keep receiving commissions on sales made before that date — if disclosed when advising on that entity's products. A licensed adjuster who is unaffiliated may still hold an adjuster appointment.

The fee-only advisor of the insurance world: no company ties, no commissions on new business — paid up front, in writing, by the client alone.