Discuss the differences between an Agent and a Broker. Use the different types of insurers below as examples (You don't have to use every type of insurer.) Use examples naming companies that fall into the different categories.

A. Stock Insurers

B. Mutual Insurers

C. Lloyds of London Interesting article feel free to discuss http://www.propertycasualty360.com/2013/07/17/demystifying-lloyds-of-london

D. Reciprocal Exchange

E. Blue Cross and Blue Shield plans

F. Health Maintenance Organizations (HMOs)