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Its a 5-6 year cycle. If you are lucky the captive company might give you chunks of premium that other agents leave behind. You can then service them and earn a decreased commission. More headache.
At the reduced commissions they're paying on those policies & the increased burden of service its most like not a great gift
After 2 years full commission. So it's a great deal.
Really no other Texas agents on this site? This site use to have tons of posts. Is there another forum with more traffic?