Agent of record (AOR)
Also called: AOR, writing agent, agent of record change
The agent of record (AOR) is the agent a carrier has on file for a policy, who receives the commission and services the client; the writing agent is the one who wrote the original application.
The AOR can change, for example when a client asks for a new agent or an agent leaves the agency. When it does, renewal commission moves with it.
Mismatches between who the agency thinks owns a client and who the carrier has on file are a common cause of missing commissions.
Every payout and every cross-sell assignment depends on knowing the right agent for each policy.
"After the agent of record change, renewals on those policies go to the new agent."
What happens to commission when the agent of record changes?
Renewal commission generally follows the new agent of record from the change date. Update the agency's records at the same time so payouts and client assignments stay correct.