I had a 100% vested contract with NIA (National Insurance Agency). Every time I submitted business according to their specifications and a policy was issued, I had to call three times to get my "daily" commissions two or three weeks later. I tried for three years to get out of the contract because I wanted to transfer to another agency. They refused. They would send a check then not send one for monhs even though I had several clients on the books. Now they cancelled my contract because I haven't written in 120 days because they wont pay me and they are keeping my "vested" renewals. Too many lies are told to get you in and its almost impossible to get out.
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