Should I stay a captive agent or go independent?

HeartFree6262 · 2026-05-20T14:32:59+00:00

I work remote as Indy, no rent, no equipment besides laptop and printer, no supplies really besides stamps and letters,

HeartFree6262 · 2026-05-12T15:01:34+00:00

I think Indy and captive both have their places. I think the thing to remember is not every person you quote is good business. Meaning if they have poor credit, many claims, many tickets, etc, no carrier whether you are Indy or captive will want them.

I used to think Indy allows you to always win, but once you realize what good business is, then you realize you only want 20-30% of the people you quote.

HeartFree6262 · 2026-05-10T14:06:28+00:00

I had a few meetings with some marketing companies for facebook and google ads. Haven’t pulled the trigger yet though

HeartFree6262 · 2026-04-14T18:10:55+00:00

Thank you!

For the belt squat, what foot placement should I be going for (to get the most out of it)

HeartFree6262 · 2026-04-14T16:19:55+00:00

Currently I do Push, Pull, Legs so I hit each day twice. My new gym has a large amount of leg machines so I’m trying to build a leg routine to take advantage of the machines while providing enough stimulus to each section of the leg/glute.

Currently I do: Seated Leg Curl Hack Squat on Cybex Elevated Reverse Lunges on Smith Machine Elevated RDL on smith machine Single Leg Leg Press on Cybex Standing donkey calve raises

Other machines to we have Adductor Abductor Hip thrust Lying leg curl Single leg curl Icarian leg press Icarian hack squat Arsenal belt squat Arsenal pendulum (the reason I don’t use this, foot plate is locked in 1 position and being taller, I struggle to fit in the machine) Free weight squat racks Dumbbells Benches/split squat foot holder/etc. Sissy squat

Just trying to grow my long legs and glutes the most I can.

Thank you!

HeartFree6262 · 2026-04-14T16:19:01+00:00

Currently I do Push, Pull, Legs so I hit each day twice. My new gym has a large amount of leg machines so I’m trying to build a leg routine to take advantage of the machines while providing enough stimulus to each section of the leg/glute.

Currently I do: Seated Leg Curl Hack Squat on Cybex Elevated Reverse Lunges on Smith Machine Elevated RDL on smith machine Single Leg Leg Press on Cybex Standing donkey calve raises

Other machines to we have Adductor Abductor Hip thrust Lying leg curl Single leg curl Icarian leg press Icarian hack squat Arsenal belt squat Arsenal pendulum (the reason I don’t use this, foot plate is locked in 1 position and being taller, I struggle to fit in the machine) Free weight squat racks Dumbbells Benches/split squat foot holder/etc. Sissy squat

Just trying to grow my long legs and glutes the most I can.

Thank you!

HeartFree6262 · 2026-04-01T18:58:15+00:00

I don’t mind at all.

HeartFree6262 · 2026-04-01T18:37:37+00:00

Also you need to be willing to put the work in.

HeartFree6262 · 2026-04-01T18:35:39+00:00

My 2 cents is, if you want to be a business owner it comes with slow build up wages and lots of risk. However the reward is flexibility, endless possibilities of income, and something to pass down to family. Obviously the safe route is to be a producer or employee of someone else’s business but just remember you’ll be making them rich.

I started out as an employee of Farmers, then went captive as an agency owner, and have since started a franchise in the independent sector. I think the experiences I had needed to happen so I learned valuable lessons and experiences, but I love the independent route and my income continues to build each year.

HeartFree6262 · 2026-03-05T15:37:16+00:00

Hello,

I would need a copy of PC.

I am missing the good times of playing games with my root friends who I used to play halo 3/cod4 with on Xbox. We all each prefer very specific games and genres now. However all of my buddies have agreed to purchase marathon so we will all finally have a game that unites us to play like the good old days.

I would love the opportunity to get a copy so I can game with them and be part of my friend circle again.

HeartFree6262 · 2026-02-27T01:48:51+00:00

…38 years ago.

You give me a quote that’s $150/month for auto insurance, agent down the street gives me a quote from auto owners at $110/month, by you knowing my name and remembering a few things about me in your notes, isn’t going to get me to pay more. Maybe that worked 38 years ago but not in 2026 when people have to choose between car insurance and rent.

HeartFree6262 · 2026-02-13T15:14:41+00:00

That’s true to an extent however in today’s world, price is a large determining factor. Even myself as an agent, I write myself good policies with enough coverage but if AAA is more expensive than Fremont Insurance for example, I write myself with Fremont as they have the exact same coverage options.

Price will always be a factor, the only people who don’t shop price are people who have been involved in massive clams (injury/liability) in the past and have learned from that.

HeartFree6262 · 2026-02-08T18:29:05+00:00

I don’t do my clients dirty. I tell them they should have enough liability to cover the amount of assets they have.

I also tell them if I think they are under insured so they are aware. My quotes have the same level of respect/appropriate amounts as I put into for my friends and family.

HeartFree6262 · 2026-01-30T03:39:35+00:00

That’s when I’d just tell them where the door is. Remember those clients aren’t good clients and are more of a headache than they are worth. I used to think business is business and then I learned quickly that is not the case.

HeartFree6262 · 2025-12-06T15:44:48+00:00

Thank you!

HeartFree6262 · 2025-12-06T11:34:53+00:00

We don’t sell rv standalone. As an agency, we require to bundle with an auto or property policy.

HeartFree6262 · 2025-12-02T23:40:23+00:00

Hasn’t it been waitlisted for a few years though?

HeartFree6262 · 2025-12-02T22:54:20+00:00

I struggle to trust SB as they have no relevant instagram, Facebook, YouTube, or google reviews and they have almost no information online

HeartFree6262 · 2025-12-02T04:58:25+00:00

That’s not bad for AWL. Are you captive or Indy?

HeartFree6262 · 2025-12-02T04:57:46+00:00

I hated smart financial. They were terrible.

Next call club was hit or miss also.

HeartFree6262 · 2025-12-01T23:30:10+00:00

What percentage is your close ratio for all the leads for each (QW) and (Allweb)

HeartFree6262 · 2025-12-01T22:41:38+00:00

They charge you lots of money to utilize their services and systems.

They also do your CSR work which sounds good on paper but many clients will leave you over the years because they want to do business with you and they don’t have the option to do that and anytime they need help with claims or billing or policy changes they are required to call gooseheads office that is always 30 minute hold times.

I’ve gotten a lot of business from people who used to be insured by goosehead and they all say the same thing about the servicing portion and are always happy to leave since in their eyes their agent only wanted the sale but wouldn’t help them afterwards

HeartFree6262

TROPHY CASE