Being independent they do what they are supposed to do without influence from the inside meaning you get total control and get it as you want it. It also assures you are protected to the maximum because the assessments and contracts you will be getting has been reviewed and checked by somebody who knows what they are doing. Not many know the �whole deal�, when it comes to these insurance products for they do tend to have a ton of confusing wordings and legal roundabouts. Having the offers independently reviewed places you in front of the policy which it should always do.