Scenario: A friend (Another independent Life & Health agent) obtains the group business (Health, Dental, Vision, Group Life, etc.) of a 40-50 person group & asks you to become involved. The HR person asks you to become the AOR (Agent of Record) on this case. All of the commissions are coming to you and you are getting a 60% split on the commissions and forwarding the rest on your business check to the originating agent and providing them with a 1099-Misc. form every year for tax purposes. The originating agent always drops whatever they are doing in their own agency and helps you every time you ask for help in preparing new EE packets, enrolling EEs on site, helping with presentations, entering data into the computer, ie., anything that you ask him or her to do, they do it without fail. Q. Assuming this group is a long-term client, continuously paying their premiums on time, how long will you continue to pay the agent their 40% commission?