The best replacement for captive is non captive.

The best alternatives to captive are rated as following:
★★★★★  non captive
★★★★  independent insurance agent
★★★  independent agent
★★★  self insurance
★★★  rrg
★★  wild orcas
★  outsourced
★  independent agents
★  independent insurance agents
★  risk retention group
★  resistive
★  reckless waif
★  prisoner
  rent a captive
  self insured
  hostage
  riche
  mewa

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No companions for captive have been suggested so far.
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Google Trends

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