A general agent (GA) or general agency is a distribution partner that recruits and supports advisors, provides case design and underwriting advocacy, manages contracting, and coordinates carrier relationships. GAs earn overrides and bonuses and help match client needs to products and underwriting inches across multiple insurers.

GAs quarterback complex cases-shopping impaired risks, coordinating requirements, and negotiating with carriers and reinsurers. They provide training and keep producers aligned with compliance and product changes.