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why use broker

What’s the Difference Between a Broker and an Agent?

When looking for insurance, whether it’s health, employee benefits, life, dental, disability, or long-term care insurance, you can purchase that policy from either a broker or an agent. 

A broker represents you and/or your company and acts as a middleman with multiple insurance providers. The broker works for you, not the insurance company. They usually work with numerous insurance companies and can find you the best rate that benefits you, the client, not the insurance agency. On the other hand, an agent represents the insurance provider or providers. 

Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.