Who provides specific recommendations for insurance policies based on individual client needs?

An insurance broker is the right choice because brokers act as intermediaries between clients and insurance companies, providing tailored recommendations based on the specific needs and financial situations of their clients. They have access to a variety of insurance products from multiple carriers, allowing them to offer a range of options that fit the client's unique circumstances. This capability distinguishes brokers from agents, who typically represent a single company and may not be able to provide as comprehensive or customized advice.

In contrast, life-only agents focus solely on life insurance products from one company, limiting their ability to recommend the best options available in the broader market. Claims representatives deal primarily with processing claims after an incident has occurred, rather than offering policy guidance. Disability analysts specialize in assessing disability claims and determining eligibility for benefits, rather than advising on insurance policy options. Thus, brokers are specifically trained to understand client needs and match them with the most appropriate insurance solutions available.