I am currently an insurance agent who is in the process of transitioning into the financial services arena.  I currently have 2 job offers from firms, and I have been told 2 different things about my outside renewal (trail) commissions.  One brokerage told me that I simply had to claim it as outside income and the other is stating that I must essentially send all renewal income through them (of which they will take 60%).  I have about $6,000 a year in renewal income and would expect it to continue for about 15 years.  I obviously do not want to have to give up 60% this trail income and am confused by the differing responses I'm getting from two well known firms.  Insurance is not the same as security products and works differently than say a mutual fund when it is moved.  If I cancel my appointment with a company or go to a different insurance brokerage, this has no effect on any past policies and trail commissions that I might receive from that company.  Anyone have any insight on this or ran into this themselves when starting out?