Does it matter whether I'm independent or captive?
Yes, mostly for compliance and cross-sell. Independent agencies can point a calculator at any carrier's product and cross-sell freely. Captive agents usually need carrier approval for website tools and copy, so plan-neutral educational calculators and an editable disclaimer matter more. Both get the same lead data.
Read independent agencies for rounding out accounts across lines, and captive agents for working inside carrier website and advertising rules.