Which type of agent is typically referred to as a corporate employee selling one company's products?

A corporate employee selling one company's products is known as a captive agent. This type of agent works exclusively for one insurance company and is tasked with promoting that company's policies and services. Captive agents receive training and resources directly from their employer, allowing them to build expertise in the specific products they sell.

Captive agents have a close relationship with the company they represent and may be incentivized to develop strong ties with clients to foster loyalty towards the brand. This focus on a single company's offerings helps ensure that the agent is well-versed in the intricacies of the products they provide, enabling them to offer tailored advice to customers based on their individual needs.

Contrastingly, independent agents sell products from multiple insurance companies, allowing them to offer a variety of options. General agents often oversee a network of agents and may focus on broader market roles, while exclusive agents are typically used to describe agents tied to a single insurer but are often used interchangeably with captive agents. In this context, calling an agent who works solely for one company a captive agent is the most accurate and recognized terminology.