The best way to find a reputable broker is to ask people in your community — coworkers, church members, friends, family. You can also call your local chamber of commerce and the Better Business Bureau to see if anyone has filed complaints. Having a one-on-one relationship with a good broker can be profitable and rewarding for you both. A reputable, smart broker will help you make decisions that benefit you and your children. Take the time necessary to make sure you're working with someone you trust, and when you find her, consider placing all of your policies under one umbrella.