Input on Starting an Agency

Hello,

My son is graduating from college in May and is considering starting an agency and I wanted to help him get some feedback about some of the pros/cons of certain companies as well as maybe get some information on costs of starting an agency. A friend recommended this forum to me. He's interested in doing P&C, auto and home and maybe life as well.

If you were starting out as an agent today, would you start an independent agency or a captive one? Also, does anyone know anything about startup costs for different companies? He's still pretty early on in the process and with school an
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