Trasition to Starting an Independent.

Currently I'm a captive agent, I've written YTD 215 cars, 84 H/O policies and 40k in life premium. The pressure to sell life insurance is through the roof. I'm earning 4.5 commission on auto and 9.5 Comission on H/O. Same pay for renewals. Like insurance I make 12% whole and 8% term. I've been doing it for 3 years now and thinking about jumping ship. Any advice?
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