Subject: Re: Re: Captive vs Independent Insurance Agents

Comments:
: Very nice post. : Sounds like you been both places. I was too. Started with NaSE and realized it wasn't best for me or my clients, went independent. Love the UandIWIN group I joined this last year and added their lines to my other independent lines. : Being independent for a self starter like me is like 100 times better. : Jennifer McDonnell : : Benefits of captive agents: : : Starting resources often provided by parent company : : Primarily salary-based : : Direct access to the reinsurance market : : Access to a wider assortment of employee benefits : : Challenges of captive agents: : : Parent company can prohibit cross-selling : : Parent company can discontinue selling certain lines if they view it as unprofitableresulting in loss of clientele : : Inability to refer customers to whom you cannot sell a policy : : Parent companies often push certain policies over others and require agents to meet strict quotas : : Benefits of non-captive agents: : : Freedom from strict regulations of a parent company : : Freedom to cross-sell into other lines of insurance : : Ability to compare price, product and service amongst a variety of insurers : : Ability to sell a policy through another insurer if a primary insurer cannot write the policy : : Challenges of non-captive agents: : : Use of personal resources to start the business : : Profits from sales are usually returned to the business during the first year for advertisements, lead purchases and other resources : : Primarily commission-based

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