I started out in this business in 1995 as an independent broker. Although I represent every company in NY, NJ & CT, if I had to start from scratch today, I'd probably start as a captive agent.
Hancock & Genworth, to name two, can offer you a basic education and get your career started. It's very possible that after a few years of being captive, you might want to consider becoming independent.
The business is not the same today as it was 10-15 years ago when I and many others started. Keep in mind that 90% of the agents who start out, are no longer in the business 18 months down the road. It's important for you to get a good education at the begining of your career. You may work 6 months before you see a commission check therefore, you need to have some nest egg to carry you through the start-up process.
You need to find a mentor in the business to carry you through the first
6-12 months. It will cost you some of your commission, but it's well worth the investement. You can have the best product at the best prices, but if you're not in front of prospects, you won't make a dime. A mentor can give you the knowledge that you need to be successful.
Join an organization such as the American Asociation of Long Term Care Insurance and keep yourself informed about the industry.
If you insist on starting out independent, make sure you affiliate yourself with a General Agency that specializes in the LTCi. There are a number of them out there in your area. Do your due diligence and find one that you feel comfortable with.
It's not an easy business today, but if you're one of the survivors, you can find yourself in a very reqarding career and do very nicely for yourself.