The pandemic sparked a wave of professionals rethinking their careers — and for many, the idea of becoming independent and owning a business became more appealing than ever. In a time of uncertainty, gaining control over your future feels powerful. The insurance industry stood strong through the disruption, which only added to its appeal. But before you leap into entrepreneurship and open your own independent insurance agency, it’s important to understand what experience truly sets you up for success.
If you already have at least two years of experience in the insurance industry — either as a captive agent or working as a producer for another independent agency — you’re off to a strong start. This hands-on experience equips you with the foundational knowledge of products, clients, and the sales process that you’ll need as you go independent.
For those new to the insurance world, the first step should be gaining experience with a major carrier or an established independent agency. This gives you critical insight into how the industry works — what clients need, how policies are structured, and where service gaps exist. It’s often while working in these roles that future independent agents begin to envision how they’d do things differently. That vision becomes the seed for your business plan and your agency’s mission.
Equally important is your mindset. Independence requires more than technical know-how — it calls for strong communication and sales skills, self-motivation, and the ability to stay organized while juggling multiple responsibilities. You need to be driven, adaptable, and customer-focused to succeed on your own terms.
From an education standpoint, a high school diploma is essential, and a college degree in business, marketing, or finance is helpful — but not mandatory. Real-world experience, ambition, and a deep understanding of your market often count just as much as formal education.
Starting your own agency can feel overwhelming, but you don’t have to do it alone. AAI was created to help agents transition confidently from captive to independent. We offer a proven business model, tools and technology, and a collaborative network that supports your growth — without sacrificing your freedom.
At AAI, you’re independent — but never alone. Contact us to learn how we can help you launch and grow your own agency with confidence.