There are three kinds of insurance agents in the insurance industry. They are exclusive agents, direct agents, and independent agents. Exclusive agents represent only one insurance company. Although the agencies that they work for are not directly owned by the insurance company, they are limited to what products that they can offer. Direct agents also represent only one company, but they are employees of that company. Independent agents, like Beissel Insurance Service, represent many insurance companies so we are able to write many products.