Which type of agent is self-employed and can offer products from various companies?

The correct response identifies an independent sales agent as a self-employed individual who offers products from multiple insurance companies. This type of agent operates independently rather than being tied to a single insurer, allowing them to provide a range of options to their clients. By representing several carriers, independent sales agents can tailor their offerings to meet the specific needs of customers, which often leads to more competitive pricing and enhanced customer service.

Unlike a direct writer, who works for one specific company and sells only their products, an independent sales agent has the flexibility to present various products from different companies, better serving the diverse needs of clients. Similarly, a general agent typically has a broader distribution role and may employ other agents, rather than operating as a self-employed individual. Lastly, an independent adjuster deals with claims rather than selling insurance products, distinguishing their function from that of an independent sales agent.