Since launching our Split Case Referral Program in 2014, OCI has remained committed to helping our agent partners serve more clients, expand their business, and generate additional revenue through referrals.

For more than 12 years, we’ve maintained the same 50/50 commission structure, even as the insurance industry and the resources required to support clients have changed significantly.

Today, servicing clients involves more than simply placing the initial policy. From actively managing annual renewals and navigating changing carrier requirements to ongoing compliance, training, technology, and client support, our Split Case Team continues to invest considerable time and resources into each client relationship.

To ensure we can continue providing the level of service and support our partners expect, effective January 1, 2027, OCI will be adjusting the Individual Split Case Referral Program commission structure to a 60/40 split, with 40% of the base agent commission paid to the referring agent and 60% retained by OCI.

This adjustment will apply to both existing and new Split Case business for eligible commissions earned on or after the effective date.

What isn’t changing is the value of the program:

  • Lifetime commissions: Continue earning referral commissions on eligible policies for the life of the client relationship.
  • Cross-selling opportunities: Continue receiving referral commissions on additional eligible products our team identifies and places with your referred clients.
  • Dedicated service: Our team handles quoting, enrollment, ongoing client needs, and active renewals.
  • Continued investment: OCI remains committed to providing the experienced professionals, technology, training, and resources needed to support your clients.

Medicare Advantage Referrals: Referral compensation for Medicare Advantage plans will remain separate from the Split Case commission structure and will continue to follow applicable CMS referral-fee requirements and limits.

Our goal remains the same as it was in 2014: to help you serve more clients, create additional revenue opportunities, and grow your business with the support of OCI.

We sincerely appreciate your partnership and the trust you place in our team. We look forward to continuing to serve you and your clients for years to come.