Hi,
I have read everything on the subject many times and still cannot be absolutely sure about the following case:
A customer in insurance sector wants to integrate brokers / agents in Dynamics CRM solution. They will perform business operations such as creating activities, accessing
customer profile data, etc. The brokers / agents actually sell policies on behalf of the customer but they also work with other insurance companies.
Do the brokers / agents need licenses if they access the CRM via custom portal?
The following note is not very clear to me:
Note:
Offsite vendors and agents are considered external users when their time is shared between multiple customer
organizations (for example, IT support service vendors serving multiple customer organizations) and they are not in
an employee-like relationship.
From the other hand:

“Performing business process on behalf of the organization…” – requires CALs.
Please advise.