Insurance from the Inside Out

As a straight consumer of insurance I never fully understood the inner workings of what it takes to write a policy.
I've been marketing Survival Insurance Brokerage since the beginning of the year and everyday more and more info comes my way as to how the business of insurance really works.
For example, a company like Geioco writes there own policies with there own "products" and so do most of the larger insurance companies. It's smart for them in the way they don't spend as much marketing the policy as say Survival Insurance does. They have a very large budget because they're not paying commissions on those policies.
The downside for the consumer is when they go to a Geico or other single insurance company they don't get the benefit of what a brokerage does - which is shops around for you and they can pick and choose where to get the best rate and coverage for their customers.
Of course the Geico's of the insurance world will tell you they don't pay broker fees so you get a better deal, but...you may not get the best coverage or price...you get only what they have to offer.
Marketing a brokerage is an interesting project because for years I also thought you couldn't get the best rates from a brokerage because of all the PR the General Insurance Companies have thrown out to the public.
But after closer look for a few months, it is actually the opposite. Really!!