Agent Resource Hub — Going Independent

The real difference between captive and independent — who owns the book, who keeps the renewals, and which is right for you.

How to tell if you own your book of business, what your contract really says, and why ownership is how agents build wealth.

A step-by-step, income-protecting guide to leaving a captive or LOA contract and going independent the right way.

Not sure if you should go? Seven clear signals that a captive or LOA seat is costing you more than it gives back.

How insurance books are valued, what drives the multiple, and why you can only cash in on a book you actually own.

How splits and renewals really compare — and why the gap compounds into a very different career.

The honest picture on independent income: variable pay, a higher ceiling, and a book that keeps paying you.

The two paths to carrier access — direct appointments vs. aggregators and FMOs — and the clause to read first.

What errors & omissions coverage is, why carriers require it, what drives the cost, and how to line it up before you go.

Non-compete vs. non-solicit, what courts weigh, and why many agents are less trapped than they think.

Rather just talk it through?

Book a free 15-minute call. We'll look at your actual contract and your book — no pressure, no obligation.