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Flagship, year-stamped references — longer than a question page, refreshed annually, and honest about what changed since the last edition.

• Broker vs. Agent vs. Buying Direct: The 2026 Guide

  Insurance agents legally act for the insurer; brokers act for you; direct channels remove the intermediary entirely. All three are paid in ways that shape what they show you. This guide explains what each channel is, how compensation steers incentives, which fits which buyer, and what digital-direct actually changes — so you can choose a channel deliberately instead of inheriting one.

  2026 edition · Reviewed July 2026