I just made the leap from captive to independent. I like it so far but just like before I still have to sell to make a living. I hope to build a good referral base with some captive agents. Problem is I'm probably not gonna have many referrals to send back since I can write pretty much everything. I was thinking about offering to split my new business commission, not renewals, for any referral I write that a captive sends me. Do any of you do this and does it work? When I was a captive and sent referrals to an indy agent I was lucky to get a thank you once a year so I thought this might incentivise them to send more referrals to me.