To become an independent agent you need appointments.  Appointments with good carriers require commitments.  Multiple appointments require ALOT of production. How do you start an independent agency and get appointments and fulfill them all? Its the insurance version of the chicken and the egg. So we went out and interviewed insurance carriers, aggregators, captive agents, agents who took loans out to try to join franchise groups. We developed a business model that was a pro agent.  We created something that is truly special and unique.  We created a model that is mutually beneficial for everyone.  We created a Mutual Agency