Apr 13 • General discussion
There is no "Best" insurance carrier
There Is NO “Best” Carrier (Stop Thinking This Way)
One of the most common questions new agents ask is:👉 “What’s the best carrier?”
Short answer: There isn’t one.
And if someone tells you there is… they either don’t understand the business or they’re trying to push you toward something.
Here’s the reality:
Every carrier has:
- Strengths
- Weaknesses
- Different underwriting niches
- Different pricing depending on the client
One carrier might be great for:
- Young, healthy clients
Another might be better for:
- Diabetics
- Smokers
- Older clients
- Higher risk cases
There is no one-size-fits-all.
This is where bad agents mess up…
They:
- Try to force every client into the same carrier
- Don’t shop the case properly
- Care more about convenience than client fit
That’s how you lose trust… and get chargebacks.
Good agents think differently:
They ask:
- What’s best for this specific client?
- Which carrier gives them the best chance of approval?
- Who offers the best value for their situation?
Then they match the product accordingly.
Your job is NOT to be loyal to a carrier.Your job is to be loyal to the client.
This is why your IMO/agency matters too…
If you only have access to 1–2 carriers, you’re limited.If you have access to multiple strong carriers, you can actually do your job the right way.
Simple mindset shift:
❌ “What’s the best carrier?”✅ “What’s the best fit for this client?”
The agents who win long-term don’t push products…
They solve problems.
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There is no "Best" insurance carrier
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