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Consider having the clients spouse own the contract. It will be a replacement yes, and must be disclosed in ALL states. The Change of owner should keep it from being a charge back item. This is if you were as earner.. if you were on a goofey finance plan.. well then they might have you by the short hairs.
I still think the problem is the same. Just for the heck of it let's say you meant "as earned" instead of "as earner", that's not the issue he's concerned with. If a policy cancels and you get a chargeback that's one thing, but he's concerned about the carrier coming back on him for stealing the business beyond that.
How long have you been doing this?