Moving Your Contracts to Brock
Releases, waiting periods and renewals, explained in plain terms, with a step-by-step plan for moving your carriers without losing selling time.
How a Move Works
Your license stays yours. What moves is your place in each carrier's hierarchy, one carrier at a time.
Read what you signed
Pull your current FMO agreement and each carrier contract. Look for vesting, release terms, non-solicit clauses, and any debts or chargebacks that carry over.
List your carriers
For each one, note your writing number, whether you're paid directly or through the agency, and how much business you've written in the last few months.
Check each carrier's transfer rule
Every carrier sets its own. Most offer some mix of the paths below, and many pause transfers during the fall selling season.
Talk with Brock contracting
We'll map your carriers, the best path for each, and the order to move them in so your selling isn't interrupted.
Request releases and submit paperwork
Where a release is needed, ask your current upline in writing. We'll handle the carrier side through Brock Portal.
Confirm and keep selling
Confirm each new hierarchy with the carrier, keep certifications current, and check your first commission statements.
Three Ways Carriers Let You Move
Rules vary by carrier and change often. We check each carrier's current policy with you before you request anything.
Signed release
Your current upline signs a release, and the carrier moves you, often right away.
Time without production
Some carriers move you without a release after a set period with no new business, commonly three or six months.
Notice of intent
You notify the carrier and wait out a set period, often around 90 days. Some carriers let you keep writing while you wait.
What Happens to Your Renewals
- Existing business usually stays where it was written. Policies you wrote under your old hierarchy generally keep paying through it. New business after the move pays through Brock.
- Who owns renewals is a contract question. If a carrier pays you directly, renewals usually keep coming to you. If commissions are assigned to an agency, that agency's agreement controls.
- Watch for anything that survives. Chargebacks, advances and lead balances can be offset against future commissions.
- Timing matters. Moving before the fall selling season, or right after it, avoids carrier blackouts and keeps AEP clean.
Your Move Checklist
Licensing
NPN, resident and non-resident licenses, and current E&O coverage.
Certifications
AHIP for the plan year and each carrier's certification. See the 2027 Certification Hub.
Contracts
Your current FMO agreement, carrier contracts, writing numbers and recent commission statements.
Agent Questions
Do I lose my renewals if I move my contracts?
Usually not. Business you already wrote typically stays under the hierarchy it was written in and keeps paying as your contracts allow. Check whether your contracts are direct pay or assigned to an agency, and read the vesting terms before you move.
How long does it take to move to a new FMO?
It depends on each carrier. With a signed release some carriers move you quickly. Without one, carriers typically require a period with no new business or a notice period, often around 90 days. Many pause transfers during the fall.
Do I need a release from my current FMO?
Not always. A release is usually the fastest path, but many carriers also allow a move after a period without production or after a notice period. The rules are set by each carrier and change, so check before you request anything.
Can I keep selling while my contracts move?
Often, yes. Moving carriers one at a time, and choosing paths that let you keep writing, means most agents keep selling through the switch. Brock contracting will help you plan the order.
Printable Version in the Resource Hub
Brock agents can download a PDF of this guide, plus our state playbooks and California guides, from the Resource Hub. Sign in with your NPN and email.
Ready to
Make the Move?
Talk with Brock contracting. We will map every carrier and plan the order with you.
Talk With ContractingPrefer the phone? Call 662-844-3300.
For licensed insurance agents. General information as of October 18, 2026, drawn from federal and state sources; rules change, so confirm with CMS, the carrier or the state insurance department before advising a client. Not legal or tax advice. Not affiliated with or endorsed by the U.S. government or the federal Medicare program.