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A broker is someone that can help not only help the best insurance at the best price for you an your family, but can explain what you are getting from your insurance, and even find a group for you to join or help you sign up for your state's high risk pools. Make the insurance broker meet your needs and show you in writing everything you discuss, especially “luxury items” such as dental care, eye care, and organ transplantation.
It's important to inquire as to whether the agent has confirmed the regulatory status of the company, the plan and the third-party administrator. Are the company and third-party administrator licensed to do business in the state? Is the policy approved for sale?
The National Association of Insurance Underwriters, www.nahu.org or the National Association of Insurance Commissioners (NAIC), www.naic.org, can help put you in touch with a reputable broker. The key is to find a broker that has a “large book” that you can trust, who knows what policies are best for your individual needs.