Nancy, Yes, be sure the agent is licensed in your state. There are two types of agents, the first is captive, which generally works for a specific carrier, i.e., Humana employs agents directly. The other would be an independent agent or broker. These agents typically will work with multiple carriers to provide their clients options. Not all insurance is created equal. Depending on the type of insurance you are looking for, some independents may specialize in one or more areas, health, life, property and casualty. Independents will shop the market for solutions to fit your individual and financial needs. They are not beholden to any one company. Most important is that you trust the individual you are working with and are comfortable with them. They should be educating you not selling you.