Captive vs. Non-Captive
Here is my opinion... Who cares as long as you are honest and making tons of money?
Every agent has to decide for him/herself which company(ies) work best for them. Some of the factors that should be considered when deciding to be captive or independent are:
Start up capital
Business knowledge and ability, and
In short, one is not any better than the other. But one may be better for YOU than the other. Weight the pros and cons and decide for yourself which one best fits you and your life style.