Looking for an FMO/IMO that does it all!

girlboss

New Member
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I can't seem to find an FMO/IMO that handles everything. We do Medicare, Life, Annuity, etc, but also have a large number of ACA clients. I can't find an FMO/IMO that does all of these. Most seem to stay in the Medicare lane. Has anyone found one that does everything?

BTW- "does everything" means not just offers contracts with these products, but also has excellent agency support, helps with growth, offers training, has a technology platform that accommodates quoting, enrolling, and tracking all of these products. I realize I'm looking for a unicorn. Just hoping someone has already found it to save me from my sad search.
 
I can't seem to find an FMO/IMO that handles everything. We do Medicare, Life, Annuity, etc, but also have a large number of ACA clients. I can't find an FMO/IMO that does all of these. Most seem to stay in the Medicare lane. Has anyone found one that does everything?

BTW- "does everything" means not just offers contracts with these products, but also has excellent agency support, helps with growth, offers training, has a technology platform that accommodates quoting, enrolling, and tracking all of these products. I realize I'm looking for a unicorn. Just hoping someone has already found it to save me from my sad search.
Western Marketing - Senior Market IMO, FMO, NMO for Independent Life & Health Insurance Agents
 
I looked at Western Marketing because I heard they may be getting into the ACA stuff, but I don't see anything about Affordable Care Act plans on their website. I know they recently partnered with Integrity, which focuses on Medicare, so maybe they decided not to jump into ACA.
 
I can't seem to find an FMO/IMO that handles everything. We do Medicare, Life, Annuity, etc, but also have a large number of ACA clients. I can't find an FMO/IMO that does all of these. Most seem to stay in the Medicare lane. Has anyone found one that does everything?

BTW- "does everything" means not just offers contracts with these products, but also has excellent agency support, helps with growth, offers training, has a technology platform that accommodates quoting, enrolling, and tracking all of these products. I realize I'm looking for a unicorn. Just hoping someone has already found it to save me from my sad search.

One of the foundational truths of this profession is that "product focus" is paramount for new agents. I would even suggest that someone who starts out trying to hook into everything exponentially increases the likely hood of a short stint before washing out.

Why do you feel you need to have everything?
 
Life Hawk: I'm not that new. I began in 2011 and my business has organically drifted into all of these things based on my client's needs. I'm at a point now where my business is growing faster than I can handle & track on my own. I have hired some help, but really need guidance on how to scale my business so I can bring in more help and/or agents while maintaining quality standards. I spend far too much time on administrative stuff. Currently, contracts are spread out all over the place and I think it would be much easier to manage everything at one IMO, but I need to find the right fit and the technology and product offerings are a big part of that. I don't want to "outgrow" my IMO.

Goillini52: Thanks so much! I'll give them a call & see if it's a fit!
 
Life Hawk: I'm not that new. I began in 2011 and my business has organically drifted into all of these things based on my client's needs. I'm at a point now where my business is growing faster than I can handle & track on my own. I have hired some help, but really need guidance on how to scale my business so I can bring in more help and/or agents while maintaining quality standards. I spend far too much time on administrative stuff. Currently, contracts are spread out all over the place and I think it would be much easier to manage everything at one IMO, but I need to find the right fit and the technology and product offerings are a big part of that. I don't want to "outgrow" my IMO.

Goillini52: Thanks so much! I'll give them a call & see if it's a fit!


You might consider pooling your contracts. By that I am referring to breaking down your business/product offering, and looking for a few 2 or 3 IMOs that each focus on areas that you deem as important product offering. (Hope that makes sense, I'm a visual guy and draw a lot of pictures.) Not an artist though. ;)

I will attempt to value add. I do have Western Marketing for one of my contracts. They seem to do a fair job, I offer them little in production on that contract, but I'm sure if you brought more to the table they would respond in kind. I don't envy your management woes. That is why I do not recruit. That is for folks much smarter and harder working than I. I like to come home and ignore calls. :laugh:

Not sure if I was helpful at any level, but the forums is a great place to start for advice and research.
 
You might consider pooling your contracts. By that I am referring to breaking down your business/product offering, and looking for a few 2 or 3 IMOs that each focus on areas that you deem as important product offering. (Hope that makes sense, I'm a visual guy and draw a lot of pictures.) Not an artist though. ;)

I will attempt to value add. I do have Western Marketing for one of my contracts. They seem to do a fair job, I offer them little in production on that contract, but I'm sure if you brought more to the table they would respond in kind. I don't envy your management woes. That is why I do not recruit. That is for folks much smarter and harder working than I. I like to come home and ignore calls. :laugh:

Not sure if I was helpful at any level, but the forums is a great place to start for advice and research.


This is True might find one FMO with great tools for medicare and another for ACA

No reason not to have separate FMO's for different things

It seems FMO's are more focused on an area than they used to be

And that's a good thing, Better service better tools
 
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