Advantages

• According to InsureMe.com, starting as a captive agent typically means being part of an existing firm. This allows you access to training and mentoring that would not be available otherwise. Many agencies also provide financial assistance, such as base pay, or additional commissions during the early part of a captive agent's career and for certain expenses, such as licensing and advertising.
  
  

Disadvantages

• Some of the commissions earned by a captive may be paid to the hiring firm. A captive agent is only able to sell the products offered by the firm, as opposed to selling other products that may be beneficial to certain clients.
  
  

Consideration

• Whether an agent begins his career captive or independent, the other option is available at any point. This gives the agent flexibility to determine the best course of action for himself and his clients.