Some "captive" agents like Farmers, Nationwide, maybe others also have some market access other than their namesake, but unless things are different there State Farm has State Farm only so when they're done, they're done. 

Most who sign up for a guru's program become captive to it.

I have found it is better to use a Broker if possible so they can shop companies, and shop every year vs using a captive agent that can typically only sell their company policies.While it is good to shop, not always good to go with the lowest possible provider on insurance. 

Step inside and be captivated by the spacious open-concept layout, perfect for entertaining.

That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

Also for all the value they provide the number 1 thing they all exist to do is enrich the Guru and give him a captive audience to sell more stuff to. 

The folks that do that work know what they can charge since your basically captive  IE the house wont work with out a new line.

The county is the second fastest-growing in the U.S. and the fastest in North Carolina.The zoning for the project is already approved, and with our captive audience of potential tenants, I’m confident that all units will be leased upon completion.I’m seeking advice on how to best structure this debt with a private investor or investors in the short term until the property is fully rented and long-term financing is secured.

Spear's comments about required capital improvements as they relate to rent increases and a captive audience/ trailer trash mentality. 

Are you captive to the building HOA for increasing fees?