An independent agent owns the x-date.This means that the insurance firm cannot contact the insured directly in case of delay in payment of premiums, but have to inform the agent who contacts the insured.

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The ownership of the x-date by an independent agent does not restrict the insurance firm from contacting the insured directly for premium payments or any other reason. The x-date typically refers to the expiration date of a policy, and while agents may use it for renewal purposes, it doesn't limit the insurer's direct communication with the insured.

An Independent Agent Owns the X-Date