Jeff Carlson is a licensed insurance agent in Colorado, California and Texas. He has worked for a number of reputable insurance carriers, gaining world class experience. On one call in a rural, Rocky Mountain area, he went to present plans to a woman who had called his company. After talking through her scenario, he could have talked her into buying a plan. Instead he put his pen down and told her, "I'd love to sell you a plan here, but I don't think any of these plans are what you need." That's when he decided to become an independent agent, so he can hand pick the best plan for every customer.