It is very difficult for a very new agency, most especially if you have not been licensed for very long, to get independent agency appointment. One way around this is to join an insurance agency cluster organization (also networks, franchises, or alliances) as they arrange for insurance carrier appointments, profit sharing, and a number of other benefits you would not have on your own. If you use the “wholesale distribution system” in many cases you will not get the best policy terms and you must share commissions. You can find a list of cluster organizations at my website http://www.agencyequity.com
along with information on how to start an independent agency.