What is an IMO or FMO, and how do I choose the right one as a life insurance agent?
Answered by 4 licensed agents
Answered by Jack Mayer on September 24, 2026
Broker Licensed in CA
There are a lot of them out there, so I think it’s important to find one that fits the way you want to do business. For me, I chose mine based not only on the support they provide, but also on their values and religious beliefs. As an example, Shepherds Financial checked all the boxes for me.
Answered by Tim Cassidy on October 1, 2026
Broker Licensed in TX, AL, AR & 35 other states
When choosing an IMO or FMO, I’d look beyond just commission levels. Consider the carriers they represent, quality of training and support, responsiveness, technology, lead opportunities, release policies, and whether they genuinely help you grow your business.
The right organization should feel like a business partner—not simply a place to submit applications. Ask questions, talk with agents who already work with them, and make sure their support and business philosophy align with the type of practice you want to build.
Answered by Andy Kelly on October 1, 2026
Broker Licensed in WA & OR
Answered by Toni Cormier on October 1, 2026
Agent Licensed in TX, AL, CA & LA, MS, NC & OK
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