I work for a real estate investment group that has a $200M TIV portfolio. Once I get my P&C license I plan on becoming a captive agent for Travelers or a similar company. I have several questions (which will probably lead to more questions). 1. The general idea is for the real estate investment group to save money on commissions by bringing it inhouse. In my pre-licensing class, I was told I can't share commissions with anyone who isn't licensed. So let's say the annual premiums are over $600k and I make $60k in commissions, how can I save the company money by splitting the commissions with them? Can I lower my commission amount? Obviously, I don't want to do anything unethical or illegal. 2. I need to get licensed in 7 states, should I do that before I speak to a Travelers rep or should I speak with one right after I get my Resident License? 3. Do I tell Travelers I work for this company and have access to these properties? Is it a conflict of interest? I technically get paid as a 1099 through the management company and each property is owned by a different LLC so I think it is ok but I'm not sure...? Thanks in advance for all the help and info.