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Just call yourself an "Independent Insurance Agent"...if in fact you are independent.
This is all you need. In my experience, when I call myself an "Agent" people think I work for NYL or something. When I call myself a "Broker" they automatically assume I charge extra consultation fees. "Independent Agent" either gets the message across perfectly or gets them to ask "What do you mean by 'independent' agent?" I've got no aversion to potential clients asking for more information about what I do.