I have did a lot of research but no real answers on this. I am a dual agent, currently licensed in life, health, 6, 63, studying for p&c in the state of ohio. I wanting to open a store front. But here is the real questions. What are the steps to do this? is there a fmo that allows you to own your policies( that makes your book of business sellable, or transferable. I also need a broker that will allow me to sell or transfer the book of business when im finally ready to retire. like a said the internet has no real answers , hopefully I can get some here.