The AOR process begins once you’ve decided to work with a particular agent and takes about ten days to complete. Phase 1: The new agent sends you an agent of record letter with your company’s name, carrier’s name, the policy number, and the effective policy date Phase 2: You review the letter, read it thoroughly, put it on your company’s letterhead, sign it as an acknowledgment of receipt, date it, and send it back to the agent Phase 3: Your new agent sends the signed AOR letter to the insurance carrier Phase 4: The policies are transferred in 5-10 days unless the carrier receives a rescinding AOR from the current agent signed by the policyholder Once the insurance carrier accepts the AOR letter, the new agency relationship begins, and the old relationship ceases to exist.