Products & Compliance is where carriers, MGAs, and wholesalers define every product they distribute and the state-by-state license and appointment rules that govern who is allowed to sell each one. The configurations you enter here become the compliance and authority framework that the rest of the platform applies to every downstream agency and agent in your tenancy.

Products & Compliance is the single screen where you turn your distribution catalog into machine-checkable rules. You list each product, name the states where it is distributed, then declare the license class and Lines of Authority combinations and any appointment requirements an agency or agent must satisfy in each state to be authorized to sell that product.

Who uses it. Compliance leads, licensing managers, and operations administrators at carriers, MGAs, and wholesalers. The person responsible for keeping appointment and license records aligned with state regulator requirements owns this page.

What you can do here:

The page loads with an information banner titled Add Products and Set Compliance Requirements, an Add Product button on the right, and a row of tabs along the top, one tab per product you have already created. The first product's tab is selected by default; click any other tab to switch products. If your organization has no products yet, a centered No products found message prompts you to add your first one.

Page-level elements

Per-product header (visible inside each tab)

Per-state table columns (one row per state)

The table is sortable by clicking the State, Licenses, Appointments, Agency, or Agent column headers. Click any row to open the State compliance slide-over for that state. If a product has no states yet, a No states added message appears with the prompt to click Add State.

Note: You need the administrator role on the upstream entity to edit products. A non-admin user who clicks a row sees an alert reading You do not have permission to update products.

When you would do this. A carrier has just added you to a new product, or your MGA is launching a new line. You need to declare the product in Turris so authority and compliance can be tracked for every agency you distribute it through.

Note: Picking a line of business at creation time is the fastest way to a working configuration. Turris fills in every state's license classes and Lines of Authority for you. You can still toggle off the default in any single state and customize it.

Tip: Leave Filing Number blank if you are not sure. Once set, it must be unique across your organization's products; a duplicate is rejected with the message A product with the filing number ... exists already.

When you would do this. The carrier renamed the product, you negotiated different commission rates, you finalized the filing number, or you need to expand the product into new states.

Changing the Default Compliance Requirement on an existing product opens an Irrevocable Action confirmation modal, because the change reaches across every state attached to the product:

Warning: The Replace and Remove Default actions cannot be undone. The modal heading reads Irrevocable Action, and the message names both the previous and the new line of business so you can confirm exactly what is about to happen before clicking.

When you would do this. The carrier discontinued the product, you no longer distribute it, or you created it by mistake and have no states or agencies tied to it.

Deleting the product removes every state configuration tied to it and detaches it from agency authority records that reference it. Authority for that product across your distribution network is broken at the same time. Confirm with operations and compliance before deleting a product that is already in use.

When you would do this. The product is going live in a new state, or you forgot to include a state at product-creation time and want to add it now.

States already attached to the product are disabled in the State dropdown so you cannot add the same state twice. When you select a state, the commission inputs pre-fill with the product's default new-business and renewal percentages.

When you would do this. A state regulator changed its license-class codes or Lines of Authority, a commission negotiation shifted the payout for one state, or you want to add an appointment requirement that was not there originally.

The State dropdown is disabled when editing. You can change the product configuration but not the state itself.

The state slide-over is split into three sections, reached from the icon tabs at the top.

This section always shows the License Compliance Requirements heading and the Agency and Agent editors. The Use Default License Compliance Requirements toggle appears only when the product has a line of business set.

If a constraint row is left half-filled (a license picked but no LOA, or the reverse), saving surfaces a warning alert reading Please complete or remove empty rows in: Agency License (License Class or Lines of Authority), ... naming each incomplete editor.

This section always shows the Appointment Compliance Requirements heading and the Agency and Agent accordions. The Use Default Appointment Compliance Requirements toggle appears only when the product has a line of business set.

Tip: When a default toggle is greyed out and the tooltip reads You must select a state to use default compliance requirements, finish selecting the state in Commissions first. The toggles become available as soon as a state is picked.

Note: Switching the Use Default License Compliance Requirements or Use Default Appointment Compliance Requirements toggle from off to on opens a confirmation modal with the message This action overwrites any existing compliance requirements with the selected default business line requirements. Once you click Ok, the existing custom configuration for that state is replaced.

When you would do this. The product is no longer distributed in a particular state, or the state was added by mistake.

Deleting a state also removes that state from the Approved States list on any agency authority that referenced this product, so make sure no active authority depends on it.

License and appointment compliance is expressed as a set of OR-groups, where each group is itself an AND of constraints:

This shape covers the two most common compliance patterns:

Default templates pre-fill state-by-state license and appointment rules so you do not have to configure every state from scratch. Templates are scoped per state, so the same line of business produces different per-state values to match each state regulator's framework.

If a default is unavailable for a state (your administrator has not loaded it), turning the toggle on is blocked with an alert reading Default Settings Unavailable: Default compliance requirements for this state are not configured by the administrator. Please contact support to resolve this issue.

Why is my Agency or Agent Appointment toggle disabled? Either no state has been selected yet, or the state's default compliance template has the corresponding appointment requirement turned off. Pick a state first, or turn off Use Default Appointment Compliance Requirements before enabling the toggle.

What happens if I switch the Default Compliance Requirement after states are configured? A confirmation modal opens describing the change. From None to a line of business, every state's current configuration is replaced. From one line of business to another, only states still on the old default are re-linked. From a line of business back to None, the default linkage drops and all states become custom with their values preserved.

Can different states on the same product have different rules? Yes. Each state's license and appointment configuration is independent. You can keep most states on the default and customize a few without affecting the rest.

Can two products in our organization share a filing number? No. The filing number is enforced as unique within your organization when set, so a duplicate is rejected at save.

Why does a product show "No carrier assigned"? Carrier is optional at creation. You can leave it blank and add or change the carrier any time by editing the product.

Can I bulk-copy compliance settings from one state to another? Not directly from the UI. The fastest path to consistency is applying the default template to as many states as possible and then customizing only the states whose regulators require it. Contact support if you need a bulk operation.

Why is a row I just clicked not opening the slide-over? You need the administrator role on the upstream entity to edit products. Non-admin users see an alert reading You do not have permission to update products. Ask your organization administrator to update your role under Settings > Users.

If you have questions about Products & Compliance or encounter any issues, contact our support team at support@turris.com.