I am a independent insurance agency owner and for me to be captive is just not going to happen. I get harassed by regional farmers and state farm managers all the time with their arrogant sales pitches. The only benefit is the system and training. If you know the system and know products why be capt...

I do not know about Real Estate I know in the insurance field you cannot give any kind of cash rebates. You can though give out gift cards. I do not know the fine line of the gift card. I know there are some VISA gift cards that can be used anywhere. Regular gift cards to Starbucks or a specific sto...