We’ve worked with both. To tell you the truth, sometimes it comes down to the person you deal with. I admit I might like some of the bells and whistles or offerings you hear from one or the other, but at the end of the day you have to find a person you can believe in and trust.

- Mike W., 64
Houston, Texas

We may be a little biased since my brother-in-law is our agent. He’s with ING and has been able to answer any question we throw at him. Although we don’t ask too many questions. We see where our money is and how it’s grown so we don’t worry too much about it.

- Jan M., 61
Hermosa Beach, Calif.

I like independent agents. My first agent was independent and we had a great relationship together, met at church and watched each other’s kids grow up. When he retired, his son took over his business and we have a great relationship as well.

- Bill D., 73
Jackson, Miss.

If given a choice, I prefer an independent agent. I feel like I avoid lots of red tape and have more of a one-on-one relationship with an independent agent.

- Sam A., 62
Mobile, Ala.