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The reinsurer (principal) is concerned about potential ambiguity in the claim intensity, but the insurer (agent) is not.
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Mr. Perletti, an insurance agent, said some insurers no longer sold fire policies to Kenai Peninsula homeowners in some areas surrounded by dead spruce.
Insurers and insurance agents don't mind such questions.
His mother is an insurance agent at Moto Trans, a motorcycle insurer and dealer in Huntington, N.Y.
Subsequent rules go further, requiring states to consult health care providers, insurers, agents and brokers.
Critics say that rates are often exorbitant, partly because of close ties between insurers, agents, mortgage servicers and brokers.
In case of missing information, insurers' customer services and insurers' agents were contacted.
I have been a licensed realtor, a lender, sold insurance, and have been a title insurance agent for just about all of the large title insurers.
Captive insurance agents work for an insurer and only offer their company's insurance.
Ms. El, the State Farm marketer, said advertising to N.B.A. fans enabled the insurer to highlight its on-the-ground insurance agents to a youthful, diverse group of consumers.
At the same time, insurance agents say, coverage is shrinking as deductibles have increased and insurers limit the choice of hospitals.
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