Captive--working with a FMO/IMO--Independent

Hello everybody--I am relatively new to this Forum. Been lurking around for awhile. Learning. I was selling Medicare Advantage Plans for several years and cannot take the testing & the Government rules anymore. So I am going into the Final Expense Market and would appreicate some help with a question I have.

What is the difference between Captive agent--Working thru a FMO--or being an Independent.

I think I know what a Captive agent means and I have worked thru several FMO's before.
My main question is how do I get to be an Independent Agent with companies that sell Final Expense?
Tha
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