i started as a captive agent for preferred carrier after college. i would suggest getting at least a couple of years under a captive agency prior to going independent. my problem is I stayed in the captive world for 7 years and should have became an IA sooner. also having a book to show preferred carriers is helpful in getting direct appointments. non standard carriers will appoint you with not much of a commitment or requirement to have an office (although I personally would not pursue this market).