TA solvency is ability to remit premiums, net of commission, to insurance carriers and to refund return premiums to insureds or finance company while preserving the integrity of premium float. Insurance Code prohibits premiums received under one policy to be remitted on behalf on another policy. Insurance Code also prohibits the transfer to the agency operating account of sales commissions in excess of their earned amounts. Premium funds may not be used for personal needs or to cover agency operating expenses.