re: Looking for a new career and appreciate respondes...

I am a 25 year banker and kind of in the same mindset as you, but probably a little older at almost 51. My advice - steer clear of insurance especially right now. I thought that was a good path and good “out” for years.

Looked at captive, looked at Indy. Ultimately decided to start an indy one part time on the side just to get a taste of it. Man, I was glad I didn’t go cold turkey and jump in full time. The industry is an absolute mess right now. It’s 1000% tougher all the way around than I thought it would be etc etc. The learning curve is also much steeper than I thought too. Every single carrier has different nuances, products they like etc etc. Obviously if you go captive that shrinks the learning curve a bit.

Now certainly there are some super stars that have started up this year and done well. You can also argue that I didn’t jump in full time or half assed it, fair points. I would just watch out for all the captive recruiters, especially big red, as they will show you proforma’s that, in my opinion, are absolutely unattainable.