Who do you really work for? That's a question all insurance buyers should ask of their agents or brokers. It's a fair question. You can't hide the truth.

Whether you're a big global broker like Willis, or a local insurance agency like in Eatontown, N.J., you can only serve one master. It's either the carrier or the client. You can't work for both.

Willis, unlike most retail brokers and agents, has planted its flag firmly on the side of its clients. That means not taking bonuses from insurance companies that would put us at odds with our clients' best interests.

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