Career Paths8 min read
Captive vs. Independent: Choosing Your First Agency Model
A side-by-side look at training, lead flow, commission splits and long-term book ownership for new agents.
May 12, 2026
Articles
Short, specific pieces on the decisions that actually move an agent's income and independence.
A side-by-side look at training, lead flow, commission splits and long-term book ownership for new agents.
Renewal income is the real prize. Here's how top producers structure retention from day one.
The underwriting knowledge, prospecting rhythm and carrier relationships you need before making the jump.
Resident vs. non-resident licenses, CE cycles, and how to keep appointments clean across state lines.
Contract clauses, tech stack, carrier access and non-competes: the checklist agents wish they'd used.
Startup costs, E&O, staffing ratios and the revenue milestones that make ownership sustainable.