The Short Answer
The agency or FMO you join shapes your income, your freedom, and what happens if you ever leave. The good ones will answer every question below plainly; if an agency dodges the ownership and release questions, treat that as your answer. Print this list and ask before you sign anything.
For context on why these matter, see independent vs. captive Medicare agent and our Medicare careers overview.
Ownership and exit
These are the questions that protect your future, so ask them first and get the answers in writing.
- Do I own my book of business — my clients and their renewals?
- What is your release policy if I ever decide to leave?
- If I leave, do my renewals continue to pay me?
- Is there any exclusivity or non-compete I'd be signing?
Money and comp
You don't need to negotiate like a lawyer, but you should understand exactly how you get paid and whether anything comes out of your commissions.
- How does compensation work — and are there any overrides or fees taken from my commissions?
- Are there upfront costs to join, and what do they cover?
- Who am I appointed with, and can I add carriers I want?
Support that makes you productive
The difference between a fast start and a frustrating one is usually here — leads, training, tools, and someone to call when you're stuck.
- Are leads provided, or am I buying my own? What kind?
- What training and mentorship do new agents actually get?
- What tools are provided — CRM, quoting, compliance, marketing?
- What compliance support is there when I have a question?
- What does day-to-day support and culture really look like?
How we'd answer
At CRSG we think agents deserve straight answers: you own your book and your renewals, we contract you directly, and we back you with mentorship, tools, and a real marketing engine (this website) — without taking what you build. If you're comparing agencies, we're glad to answer all twelve of these openly. Start on our Join Our Team page.
Frequently Asked Questions
What should I ask before joining an insurance agency?
Start with ownership: do you own your book and renewals, and what's the release policy if you leave? Then comp (any fees or overrides), appointments (who you're contracted with), and support (leads, training, tools, compliance). Get the ownership answers in writing.
Do I keep my clients if I leave an agency?
It depends entirely on the contract. Independent agencies typically let you own your book so clients and renewals follow you; many captive arrangements do not. Always confirm before signing.
Should an agency charge me to join?
Some legitimate costs exist (like E&O or tools), but be cautious of large upfront fees. Ask exactly what any fee covers and whether it's refundable, and compare against agencies that don't charge to contract.
What is a good agent contract?
One that lets you own your book, has a clear and fair release policy, explains comp transparently, and provides real support (leads, training, tools) without excessive exclusivity or hidden fees.
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