Captive W/benefits Vs. Independent?

I'd love to hear from agents who have experienced both worlds. Did you move from captive with benefits to independent? Independent to captive? (And of course there's the "captive independent" situation where you are a 1099 with lots of rules/regulations and restrictions). What have you learned from your experiences? Would you do it differently if you had it to do over? What should a captive agent know about what to expect if they make the switch to independent?

Thanks in advance for your genuine feedback. :)

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