Which type of insurance agent has all lines/classes except life and disability?

The correct answer is that an independent agent is licensed to sell a wide range of insurance types, covering all lines and classes except for life and disability insurance. Independent agents typically offer policies from multiple insurance companies, allowing them to provide clients with various options tailored to their needs in areas such as personal property, auto, liability, and more.

In the context of this question, independent agents are advantageous because they are not limited to a single insurer, which allows them to compare coverage options and pricing for their clients. They are crucial in ensuring that clients receive suitable coverage across different insurance needs, minus life and disability.

Other types of agents have more specific limitations. For instance, personal lines agents primarily focus on providing insurance for individual consumers, typically dealing with personal property or auto insurance but may not encompass the broader spectrum of all lines. Commercial lines agents specialize in business-related insurance coverage and typically would not cover personal insurance lines either. Brokers, while they can sell various types of insurance, act as intermediaries between clients and insurers, and their licensing can vary, which may affect the scope of lines they can sell.