SD, I've been looking at this... A broker may consult with the client but a consultant is not a broker. A broker has a fiduciary and contractual relationship with the insurance company. A consultant does not - their contractual relationship is only with their client. I see the distinction. I also se...

Scott, I understand your set up. Your website outlines what you're doing for customers and it looks like it works for you.

I don't understand why someone would pay you when they have an agent that is effectively free.