The Hidden Cost of Staying Captive

The captive agency model has helped many agents enter the insurance industry, build discipline, and learn how to sell. But in 2026, the model is facing new pressure. In this episode of Agency Ascend, Chad Brumit, Chris Sterlacci, and Jessica McBurney break down the biggest issues impacting captive agents right now, including reduced commission structures, moving compensation targets, rising business expenses, staffing requirements, and limited control over how the agency operates. The team al...