How will the department determine whether the agent is holding out his home as a place that is engaged in the insurance business or not?
The department will consider factors such as whether the agent advertises his services in newspapers, phone books or in other ways and includes his home address in the ad; whether there is a sign on the house indicating that there is an insurance agent or agency there; and whether the agent meets clients in the home as a practice. • Does a marketing service have to be licensed or registered as an insurance agency if it receives “override commissions” from an insurance company in exchange for recruiting insurance agents to write insurance through the insurance company? No. Recruitment of agents for insurance companies is not an activity that may be performed only by insurance agents. The fact that the insurance company pays a so-called “override commission” to the marketing service does not mean that the service is acting as an insurance agency. Therefore, the office of a marketing service is not an insurance agency. • May agencies that are wholly owned subsidiary corporations of a publ
