# OR DFR Bulletin 1992-03: OR DFR Bulletin 1992-03: Marketing Practices for Paying Commissions

> Oregon · Agency guidance · In force

URL: https://www.frixlaw.com/law-library/statutes/OR_INS_B_1992_03

## Section

- **Citation:** OR DFR Bulletin 1992-03
- **Heading:** OR DFR Bulletin 1992-03: Marketing Practices for Paying Commissions
- **Jurisdiction:** Oregon
- **Kind:** Agency guidance
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Oregon Division of Financial Regulation Insurance Bulletins / OR DFR Bulletin 1992-03: Marketing Practices for Paying Commissions

## Text

INSURANCE DIVISION BULLETIN INS 92-3
DATE: July 1, 1992
TO: All Insurers Authorized to Transact Life Insurance
RE: Marketing Practices for Paying Commissions
The Oregon Insurance Division has received several inquiries concerning the requirements for paying
commissions. It is a well established position of this Division that manipulation of commissions per sale or
blocks of sales is in violation of statutes ORS 746.015, 746.045, 744.039 and 742.005(3) as being
discriminatory, rebating, not authorized by rule and prejudicial to the interest of the policyholder.
This position includes any commission practice of no commission, fee-for-service, qualifying commissions,
dial-a-commission, and any variations that allows the agent to adjust the commission level or where no
commission is received on each sale.
This Division expects any variations in marketing and commission practices to be filed as part of the form
approval process. Any deviated marketing practices that were not specifically approved with the forms filing
may be grounds for disapproval and sanctions if in violation of this position.
_______(signed)_______
Mary Alice Bjork, Administrator
Insurance Division
Department of Insurance and Finance
Department of Consumer and Business Services
Insurance Division
350 Winter St. NE, Room 440
PO Box 14480
Salem, OR 97301-0405
(503) 947-7980
FAX (503) 378-4351
TTY (503) 947-7280
www.oregoninsurance.org

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/OR_INS_B_1992_03. Check the current official text before relying on it. Not legal advice.