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In the captive agency system, one insurance company is responsible for employing the agent. This means that the agents work exclusively for that particular insurer and promote its products and services. They are often provided with training, resources, and support directly from the company, which can help them develop their skills and align closely with the company's sales goals and objectives.

This structure contrasts with independent agents, who operate on their own and have the ability to represent multiple insurance companies, thus providing a broader range of options for their clients. In the case of the captive agency system, the focus is on fostering a deep expertise and dedication to a single insurer's offerings, creating a direct relationship between the agent and the insurance company. This arrangement often allows for a unified brand message and customer service experience, as agents are trained to understand and communicate the specific advantages of their employer's policies.