I am a new agent and almost fell in to the NAA trap. Can someone please tell me if there is an IMO or FMO out there that will allow someone to start off part time, offers a variety of insurance products, and possibly help with some of the costs on leads? I realize nothing is free so I understand "free leads" means a reduction in commission and I am ok with that to a limit. NAA thinks people are dumb enough to take 55% commission and pay for their own leads. I did not want an MLM anyway. Please advise.