I joined this forum a month ago. I've read a lot of post and the information is helpful. I've been a licensed real estate and mortgage broker for 20 years, had my own company but now it's just me. Looking for a career change. I just received my Life and Accidental/Health License from CDI. Like others, I don't know where to start Independent/Captive. I'm not too concerned about commission splits but would like to one day have my own agency. I see ads on Craigslist about ex-mortgage brokers selling FE. Is this the way to get started to generate income? Any help or criticism is useful.