Of course, there is money to be made as a captive agent, particularly one in a top insurance company. There is also the assurance of a consistent salary-based income. These two things make the job of a captive agent very appealing. However, there is potential to make more money as an independent insurance company owner, as the ceiling for captive agents is relatively low. There is only so much money that can be made. Independent insurance owners, however, can make relatively more on commissions and have a higher volume of and/or higher budget clients.