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Le courtier, lui, est indépendant : il travaille avec plusieurs compagnies, représente son client et est propriétaire de son portefeuille. Passer par un grossiste relève du modèle courtier.",{"question":41,"answer":42},"À qui appartient le portefeuille ?","Chez l'agent général, le portefeuille est lié à l'agence et à la compagnie mandante (avec des règles de cession\u002Findemnisation propres au statut). Chez le courtier, le portefeuille appartient au cabinet : c'est un actif qu'il peut développer, valoriser et céder. C'est une différence structurante pour qui veut se constituer un patrimoine professionnel.",{"question":44,"answer":45},"Le modèle grossiste permet-il le multi-compagnies ?","Oui. 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Le code courtier (ou code compagnie) est l'identifiant qu'un assureur ou un grossiste vous attribue pour placer des affaires chez lui et percevoir vos commissions. L'un est administratif, l'autre commercial.",{"question":684,"answer":685},"Le code APE du courtage, c'est lequel ?","Le plus courant est le 6622Z (« Activités des agents et courtiers d'assurances »). Il sert aux statistiques et à l'administration, pas à distribuer des contrats. Il ne remplace ni l'immatriculation ORIAS ni un code compagnie.",{"question":687,"answer":688},"Le numéro ORIAS est-il un code courtier ?","Non. Le numéro ORIAS atteste de votre immatriculation au registre des intermédiaires : c'est l'autorisation d'exercer. Le code courtier, lui, est ouvert par chaque compagnie ou grossiste pour vous identifier dans son système. 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