Which of the following is not a good reason to choose a disability agent who is independent vs employed by a specific carrier?

A. Independent agents work for you and not a company that may favor a specific product.
B. Independent agents typically have access to several companies and plans to choose from.
C. Independent agents typically focus on 1 or 2 specific plans and try to deliver competitive rates.
D. Each dentist has different goals and levels of risk therefore they need access to many companies and plans to choose from.