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Stephanie, if you've been an agent for 7 years, you should have a pretty good idea which avenue will provide the best opportunities. Take the plunge - go indy and good luck!
Who have you been an agent with for seven years?
Thank You for your advice. I am worried going independent will be harder than a branded company to gain business. What is your thought on this?
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Hi Xrac I have been agent staff for a captive agent for many years. Before that I worked for a life insurance company that was a fraternal company. I have never owned an agency myself, always been the agent under another agent.
If I were going captive I personally would not consider Farmers, Allstate, or State Farm. I would look at Nationwide, Shelter, American Family and any other captives in your market because I haven't heard the horror stories on these about the contract that I have from the other three. With the captives the ability to gain clients because of the brand is overshadowed by the contract you are under and the lack of flexibility you have.
Your best option is to probably find an INDY who will allow you to build your own book of business within their agency.
Thank You! I am looking into a franchise called Goosehead. They have around 50 companies that I will have appointments with. They do all the service for the policies. Have you heard anything on this company?
Thank You! I am looking into a franchise called Goosehead. They have around 50 companies that I will have appointments with. They do all the service for the policies. Have you heard anything on this company?
They take 50% of your renewals! & you are still captive to them...No way! Those type of MGA's are mostly blood sucking vampires preying on the fears of some trying to go Indy.
You are better off starting on your own.
Completely agree. I left a captive agency to go indy March last year. Started out with 4 nonstandard auto carriers and wholesale access to preferrd. Picked up an easy home appointment, a couple more nonstandard, and now have 2 preferred appointments directly. You can do it without one of these captives in disguise...provided you know what you're doing.