Just hearing rumblings yesterday, that group insurance state of situs will be going away. This would mean I would have to be licensed in every state I have employees to take care of in. If a client was based in Ohio, and had multiple locations (out of state), we would use group products so that state of situs would allow us to sell the benefits to employees at the companys out of state locations. Now if I have to be licensed in every state they have locations.......with what some state require for out of state licenses, it may not be worth it.......Not sure where this new rule came from yet. Just heard about it late yesterday. My guess is, that we will find this in the "Affordable healthcare act". Once again, Obamacare helping small insurance brokers and businesses to do business!! My wife said shes about to throw the towel in, just trying to keep up with what her accounts will have to do to stay in compliance and all the reporting! It will put small brokers out of business. Costing many many people jobs.