I have had H&L license for 15+ years. I don't know much about P&C. I get a call from an mortage broker the other day where is company is underwriting loans for a national bank who recently got FHA approved. They think they are going to close 30-40 loans a month. He wants me to call these peolpe before closing and try and sell them home owners with American Modern. I have couple of questions, is this legal, conflict of interest? Anyone know anything about American Modern? Commission, I am told is about 23% except for costal states then it is 13%. I would be splitting that with this guy. He would be openng an insurance agency with several partners, me being one. How hard is P&C test, if done online self study? Thanks for your input.