Farmers VS Allstate VS Independent

[RicFlairII]

One of the main things against those companies beside being captive is
the fact that they have life quotas that you must make to keep your job.

Allstate's quota is approx. 30K in life premium a year.

The managers will not mention the quota while you are interviewing, so
be aware it is there.

It is hard to write a large volume of P and C ins. with such a large life
quota hanging over your head.

 

[Ksutton]

Ok so any advise on which is the route to take? I have been an agent for 7 years, and I am ready to branch out, but I need advise from you guys. Thanks, Stephanie

Find a good IMO and go Indy! I went Indy after being captive for only 6 months . I do final expense. I started off with a captive company as a "union benefit coordinator" and sold all types of life insurance.

I've been Indy for about 5 months now and things have been much better ; Financially, schedule wise and to my surprise support wise.

 

[Lopezshow]

I was a captive for little over a year at of the 3 mentioned NoNo companies. Do go independent I did and yes the first 3 months were at times difficult but now that I have good carriers (7 in all P&C) for commercial (5 GA's) I love it and wouldn't have it any other way.

Go independent it's really worth it I am more happier and no quotas to meet unless a carrier wants and generally they are simple to meet in my experience than any captive will offer.

The commissions are better and you own your book outright. I didn't go the cluster route and I'm glad I didn't I got direct appointments you can do it write up a nice looking business plan and do your research so when you talk to the reps they see you are on your game.