---
title: "What Is an Agent of Record (AOR) in Insurance?"
description: "An Agent of Record is the licensed agent assigned to a specific insurance policy. Here's how AOR works, how it transfers, and why it matters for commissions."
url: https://unlockedcrm.ai/blog/what-is-an-aor-agent-of-record
canonical: https://unlockedcrm.ai/blog/what-is-an-aor-agent-of-record
category: "Glossary"
published: 2026-04-16
author: "Jacob Lock"
source: unLocked CRM — AI CRM for insurance agents
---

# What Is an Agent of Record (AOR) in Insurance?

## TL;DR

An Agent of Record (AOR) is the licensed insurance agent officially assigned to a policy by the carrier — entitled to service the client and receive renewal commissions on that policy.

## Definition

**Agent of Record (AOR):** An Agent of Record (AOR) is the licensed insurance agent officially assigned to a policy by the carrier — entitled to service the client and receive renewal commissions on that policy.

## In Depth

AOR designations transfer when a client signs an AOR letter (also called a broker of record letter) directing the carrier to reassign the policy. Once the transfer is processed, future commissions flow to the new AOR.

## Why It Matters for Insurance Agents

AOR rights determine who gets paid renewal commission and who can service the policy. Tracking AOR changes accurately is critical for commission reconciliation, chargeback prevention, and book valuation.

## Real-World Examples

1. AOR letters transferring a commercial P&C policy from one broker to another
2. Carrier-initiated AOR changes when an agent leaves an agency
3. Splitting AOR rights between multiple agents on a household account
4. Tracking AOR effective dates for commission payout cycles

## How unLocked CRM Handles Agent of Record (AOR)

unLocked CRM is built insurance-native, so concepts like agent of record (aor) aren't bolt-ons — they're core to the data model. The platform ships with 1,252 carrier integrations, 332 commission feeds, and pre-built workflows that operationalize agent of record (aor) from day one.

## Bottom Line

An Agent of Record (AOR) is the licensed insurance agent officially assigned to a policy by the carrier — entitled to service the client and receive renewal commissions on that policy. Insurance agents who understand and operationalize agent of record (aor) retain more business, recover more revenue, and scale faster.

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Source: [What Is an Agent of Record (AOR) in Insurance?](https://unlockedcrm.ai/blog/what-is-an-aor-agent-of-record) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/what-is-an-aor-agent-of-record.