It is always interesting to understand where various health insurance agents work.  Some agents work for captive organizations that in some instances offer higher commission payouts and bonus’.  Is that true all you captive agents?  Others work as inside sales reps for the various carriers like, Aetna, Humana, and United HealthCare.  How is that treating you?  It seems the majority of you in this business are independent health insurance agents working for either a local GA or an FMO.  What has been your experience with this?  Please fill us in.  Comment here.