Should I Become an Independent Agent or a Captive Agent? The answer to this decade old question is, it depends. Let’s first outline what makes each of these approaches unique and more importantly why you may see one approach as more valuable for your situation. Captive Agents Major insurance carriers like Farmers, Geico and State Farm, to only name a few, use captive insurance agents to sell their products. As part of the relationship between the captive carrier and the capt