So today I just passed my life insurance and currently have my P&C. I work for SF but I just don't know if I should be independent or stay captive. I really like life insurance, auto insurance is kind of boring. Commercial and the complexity of it I like better. I've posted previously about this sub par office with a bad agent with no business sense or ambition. So I really need some advice/opinion. I'm in Los Angeles and the market is tough. I really don't know if I should go independent or not. I have a rock solid offer with a captive SF agent, yet I see a lot of perks of being independent.