PRODUCER CONTRACTS Before new employees are hired into the agency, some sort of understanding needs to be reached regarding the terms and conditions of employment. Verbal 'gentleman's ...

The book of Life/benefits business springing from your P/C business can be as valuable as, or even more valuable than, your P/C book. For this reason alone, identifying who owns that book under all conditions is important.
Two parties might challenge your ownership: Life producers and Life carriers.