A light-second is the distance light travels in one second, or 7.5 times the distance around Earthâs equator. A light-year is the distance light travels in one year. How far is that? Multiply the number of seconds in one year by the number of miles or kilometers that light travels in one second, and there you have it: one light-year. Itâs about 5.88 trillion miles (9.5 trillion km).
They both have the same licensing requirements required by the State(s) in which they transact business, but the big difference is who they work for. An insurance agent is an insurance companyâs representative and the agentâs primary alliance is with the insurance carrier (company), not the insurance buyer.
A direct writerâs loyalty is to the insurance company, while an independent agentâs loyalty lies with the client. During the claims process, a consumer can expect a direct writer to do what is best for the insurance company, whereas independent agents will act in the policyholderâs best interest.REAKING DOWN 'Direct Writer'. Direct writers are employees of a single insurance company, whereas independent agents are self-employed and make money from the commissions they receive from various insurance companies when they sell insurance policies.