Do I still have an upline if I am indepedent trying to get appointed by a carrier through a local agency? I thought I understood what override means but now I am confused after what a local agency told me today. I am independent trying to get appointed by this local agency to sell a particular carrier's life products. The local agency told me I will get 55% commissions directly from the carrier, and also a 45% override. So I asked does that mean I will have to pay the local agency 45% of the 55% commission I earn from the carrier? And the local agency said NO. The 45% override is IN ADDITION to the 55% commission I get directly from the carrier. In other words, I will get the following 2 streams of commissions in the first year #1) 55% commission directly from the carrier for selling their WL products plus, #2) 45% x the commissions from #1 above which I will get from the local agency. So in this case, the override is not what the agency will take from me, but what the agency will pay me.