A captive agent sells products from one insurance company, which often gives training, leads and a desk. An independent agent contracts with many carriers, usually through an agency, and picks the best fit for each client. Independent agents often earn higher commission but buy their own leads.
| Captive | Independent | |
|---|---|---|
| Products | One company | Many carriers |
| Training | Usually included | Varies by agency |
| Leads | Sometimes provided | Usually bought |
| Commission | Often lower | Often higher |
| Freedom | Less | More |
If you want a set path and training, captive can be a good start. If you want to pick products and set your own hours, independent may fit better. Many independent agents start on low cost leads to keep costs down while they learn.
A marketing organization that gives independent agents contracts with many carriers, often with training. See the glossary for more terms.
Often yes, but check your contract first. Some captive contracts limit outside leads.
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