Best Missouri Insurance Agents & Brokers (2025)

An insurance agent is a licensed professional who represents insurance companies and sells insurance policies to individuals or businesses. They help clients understand their insurance needs and recommend suitable coverage options.

An insurance broker is an independent professional who works on behalf of clients to find and secure insurance policies from various insurance companies. Brokers do not represent specific insurance companies and are able to offer a wider range of options to clients.

To become an insurance agent or broker in Missouri, you must meet the state’s licensing requirements. This typically involves completing pre-licensing education, passing a state exam, and submitting an application to the Missouri Department of Insurance. Specific requirements may vary depending on the type of insurance you wish to sell.

Insurance agents and brokers receive compensation in the form of commissions from the insurance companies they work with. When they sell an insurance policy, they earn a percentage of the premium paid by the policyholder. The specific commission structure may vary depending on the insurance company and type of policy.

Yes, insurance agents and brokers can assist you with insurance claims. They can guide you through the claims process, help you gather the necessary documentation, and communicate with the insurance company on your behalf to ensure a smooth and timely resolution.

It’s generally recommended to review your insurance policies with your agent or broker at least once a year. Life events, changes in your financial situation, or modifications to your property may warrant adjustments to your coverage. Regular policy reviews can ensure that you have adequate protection and take advantage of any potential cost savings.