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U.S. carriers block 100% of unregistered business SMS as of February 2025. Here's what A2P 10DLC registration means for insurance agencies, what it costs, and how to stay compliant.
Agents bind coverage for carriers; brokers owe clients fiduciary duty, now recognized in 24 states per NAIC. See the 2026 pay and recruiting differences.
Independent agents place over 62% of all U.S. P&C premiums and own their book at 2.0 to 3.5x revenue. See how captive and independent models compare on ownership, commissions, and growth in 2026.
A commission chargeback reclaims advanced commissions when a policy lapses or cancels. Agencies writing 150-200 policies a year can lose 15%-25% of annual revenue to chargebacks. Here is how the schedule works and how to protect your book.
Life insurance commissions run 50% to 120% of premium; advances front 75% to 100% upfront. Compare chargeback windows, tax risk, and recruiting tradeoffs.
An IMO connects independent agents to carrier contracts they can't access alone. Learn how override splits work, how IMOs differ from FMOs, and what to look for when choosing one.