spool32 asked:


Hi, I’m an Independent Agent but a couple of agent friends of mine that work for a captive company and I were in a discussion about this and we were curious without having to go apply at each company of what other Captive carriers offer new agents.

All pre-requisites aside, what would a starting agent with either company start out with agency wise?

Key Points that I think are important:

- Higher initial commission pay while client base is low.
- Allocations of money for office and staff that do NOT have to be paid back?
- Do they start you with an existing client base or book of business?
- Do you actually get ownership of the book of business?
- What kind of quotas would a new Agent have to meet?

I’ve already looked over Farmers Insurance and found way too many very unhappy agents see: http://www.farmers-online.com so thats the last company I would want to be an agent with.