First off I thought about being a captive to start off with a salary to save to become independent but I heard and reading independent is better to start off as. What I have read is that it takes a little money to get started as an independent agent. I have no experience in sales at all. I have a little saved and I think it would not get me that far as an independent agent. I just want some insight of everyone's experience when starting in the insurance business as a captive or independent.