Can’t I just get my own carrier appointments without using an aggregator?

Absolutely! But understand there are minimum premium requirements. For the carriers to devote their underwriting resources to you, they expect you to devote premium to them.

Here are some questions to ask of yourself when considering getting a direct appointment with a carrier:

  • Do you have the knowledge to sell the products the carrier offers?
  • Do you have producers to tackle the market?
  • Do you have the premium volume?
  • What is your loss ratio?
  • Have you had a contract terminated by an insurance carrier?

If any of these questions cause you concern, then they will be of concern to the carriers as well.

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