Starting P&C Agency. Insurance Clusters

Hello,

Just wanted to get feedback from P&C agents that work with insurance groups like Smart Choice, Insurance Noodles and others. I would like to keep my independence without going captive.

I have been selling P&C for five years, placing personal and commercial business with agency. Recently they sold the book and I need to find out a better way to build a book of business that I could own outright and possibly sell when retiring.

I read the different old threads about clusters but would like to hear something new.

Thank you
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