I’m a newbie at ML and don’t have much householding to worry about at this point.  I know some of the big producers used to be able to household just about anything together, but ML has really clamped down and you have to show a true relationship anymore.

It is actually still pretty loose.  We have family members householded together and employees personal accounts householded within the business account.

It is hard to know what to believe, I have heard it both ways.  I have a good number of smaller accounts though, and if I can't bring them along, that is a big deal.

In writing, it doesn't look like you can easily houdehold referrals, neighbors, people from the same church, etc.

Is the policy different in real life?

Householding at ML is very flexible in both print and practice. 

ML is VERY interested in speaking with AGE advisors right now.  This is probably something you can discuss early in the conversation and get some assurances.

I came from ML a few yesrs ago.  If you have many small accounts, you do NOT want to go to ML.  

[quote=Ilovedogs]It is actually still pretty loose.  We have family members householded together and employees personal accounts householded within the business account.[/quote]

That is not what people in my office consider loose.  They use to household by things such as everyone's last name starting with the same letter, or everyone who had last names that were colors.  Now they do as you have listed above, which they consider strict.