Agent of record change vs application

[jack3454]

Is there a difference between doing an agent of record change vs putting in a new application for the same plan for the following year?

Ive heard the commissions stay with the agent on the previous plan but not sure if that changes or each company or not.

 

[straightnochaser]

You can't put in a new application for the same plan and why would you need an AOR change?

 

[jack3454]

You can't put in a new application for the same plan and why would you need an AOR change?

The client wants me to handle their insurance and doesn’t even know who their agent is now.

 

[straightnochaser]

The client wants me to handle their insurance and doesn’t even know who their agent is now.

Are you independent? Do you receive full renewals?

 

[jack3454]

Are you independent? Do you receive full renewals?

Yes to both

 

[straightnochaser]

If switching plans is not possible i guess you can do an AOR change, not sure it's actually worth it but it's possible. How it's done will depend on the carrier..

I would be looking at a plan change for him.

 

[jack3454]

If switching plans is not possible i guess you can do an AOR change, not sure it's actually worth it but it's possible. How it's done will depend on the carrier..

I would be looking at a plan change for him.

ok thank you very much

 

[DonP]

ok thank you very much

What company ? Aor changes allowed at Aetna , WellCare . Remember if you Aor a new plan in Feb that had a 1/1 effective date you’ll get no commissions till the following Jan . You’ll never get a Aor change at United and Humana super small chance

 

[jack3454]

What company ? Aor changes allowed at Aetna , WellCare . Remember if you Aor a new plan in Feb that had a 1/1 effective date you’ll get no commissions till the following Jan . You’ll never get a Aor change at United and Humana super small chance

It’s Aetna. Might actually not have to do AOR, there is a slightly better plan with Aetna I found. But if I do AOR in December, I’ll get renewal January right?