Does anyone know how Virtual.Financial (scam in itself) is working with Bolt Insurance to pay referral fees to non licensed agents? Most VF agents have their L&H or are required to get it before they get paid, but not a P&C license for the Bolt Referal program? I didn't think it was legal to pay a referral fee to ANY non licensed P&C agent? The referral fees aren't nominal, they are a good payout. It might be a $100 per $1000 of premium. Regardless of amount, I did not think it was legal under any circumstances. Otherwise, agents would be paying all their clients, friends and family referral fees for sending business their way? Or you could solicit P&C all day for Bolt and never need to get a P&C license?