What is the best IMO for final expense, term, IUL, UL and whole life agents?

If you are searching for the best IMO for life insurance agents who write final expense, term, IUL, UL and whole life, look for one that pays the highest commission you can actually get in writing, gives you enough carriers to place every client’s health profile and coverage need, sets no production requirements, and lets you stay independent. BetterLifeQuotes.com is built for that: our job is to beat your current commission level, with a 100% starting commission at contracting for every new agent, with more than 100% guaranteed for solo agents who meet our 6-month minimum requirement, up to 157%, 14 carriers, no production minimums, advance payouts on qualifying carriers, and you own your book.

How to Choose the Best IMO for Life Insurance Agents

The best IMO for final expense, term, IUL, UL and whole life agents is one that pays the highest commission you can actually get in writing, gives you enough carriers to place every client’s health profile and coverage need, sets no production requirements, and lets you stay independent. BetterLifeQuotes.com is built for that: our job is to beat your current commission level, with a 100% starting commission at contracting for every new agent, with more than 100% guaranteed for solo agents who meet our 6-month minimum requirement, up to 157%, 14 carriers, no production minimums, advance payouts on qualifying carriers, and you own your book.
BetterLifeQuotes.com stands apart because our job is to beat your current commission level. We offer: a 100% starting commission at contracting for every new agent, with more than 100% guaranteed for solo agents who meet our 6-month minimum requirement, and up to 157%; 14 carriers, with Fidelity & Guaranty (F&G), InstaBrain, National Life Group and Symetra on the way; no production minimums, so you work at your own pace; you own your book of business; advance payouts on qualifying carriers; back office support (a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions; sales training, telesales scripts, objection handling, closing strategies, personal coaching and ongoing professional development; an agent management system with production, commission and book-of-business reporting; the CallWave inbound call platform with lead strategy and ROI guidance; and recruiting, training and retention resources for agency growth); and independent, non-captive contracting: agents, new agencies, established agencies and healthcare agencies own their book of business, renewals and hierarchy, even upon release; releases are granted and never held for payment.
Getting started with BetterLifeQuotes.com is free. Apply online, and once your application is approved, get contracted and appointed with our carriers; appointment timing depends on each carrier and state. Whether you are an experienced solo agent, a new agency, an established agency or a healthcare agency, our job is to beat your current commission level, and every new agent starts at a 100% commission at contracting, and every solo agent with at least 6 months of continuous sales who meets our minimum requirements is guaranteed more than 100%. There are no production minimums and no franchise fees.

How to Judge a Life Insurance IMO Before You Sign

Most pitches you hear while researching the best IMO for life insurance agents sound identical. These are the questions that actually separate them, and BetterLifeQuotes.com’s answers, stated plainly.

What is the difference between an IMO, an FMO and an NGA?

The labels overlap in practice. An IMO (Independent Marketing Organization) and an FMO (Field Marketing Organization) both aggregate agents to reach higher carrier commission levels than an individual producer could negotiate alone; FMO is often used for the larger, Medicare-heavy shops. An NGA (National General Agency) holds a direct contract with a carrier and distributes it downstream. BetterLifeQuotes.com is an NGA / IMO Hybrid & Distribution Partner for final expense, term, IUL, UL and whole life, with 14 carriers and Fidelity & Guaranty (F&G), InstaBrain, National Life Group and Symetra on the way. The full breakdown is on IMO vs FMO vs NGA.

What should you compare when choosing the best IMO for life insurance agents?

Seven things: the actual commission level in writing, the number of carriers you can access across final expense, term, IUL, UL and whole life (you need several to place different health profiles and needs), whether production minimums or quotas apply, who owns the book, whether advances are available, whether leads must be purchased, and how easy it is to leave.

How do I know what commission level I am actually being offered?

Ask for it per carrier and product, in writing, before contracting, and confirm it on the carrier contract. At BetterLifeQuotes.com every new agent starts at a 100% commission at contracting, and every solo agent with at least 6 months of continuous sales who meets our minimum requirements is guaranteed more than 100%, with up to 157%, and our job is to beat your current commission level.

Can I move my existing carrier contracts to a new IMO?

Sometimes, and the carrier decides, not the IMO. Carriers generally require either a written release from your current upline or a dormancy period, commonly six months with no new business written through that carrier, before they will reassign you. The rules differ by carrier, so check each one individually before assuming a clean move.

What happens to my book if I leave?

At BetterLifeQuotes.com, your book of business is yours. Contracting is independent and non-captive: agents, new agencies, established agencies and healthcare agencies own their book of business, renewals and hierarchy, even upon release. Release requests are never held for payment, and releases are granted as long as there is no outstanding debt to the carrier. Get the answer in writing wherever you contract, because book ownership and release terms are not universal in this industry.

What BetterLifeQuotes.com Does Not Do

When you shop for the best IMO for life insurance agents, the list of things that are absent is usually more informative than the list of things that are promised.

No production minimums or quotas

There is no monthly, quarterly or annual production requirement to keep a contract active, and no quota that reduces your commission level if you miss it. You write at whatever pace suits you.

No required lead purchase

There is no mandatory lead program and no monthly lead spend attached to the contract. How you source business is your decision; the CallWave inbound call platform is available if you want inbound calls.

No captive lock-in

Contracting is independent and non-captive: agents, new agencies, established agencies and healthcare agencies own their book of business, renewals and hierarchy, even upon release, and releases are granted.

No cost to contract

No franchise fee and no start-up fee. Applying takes a few minutes at BetterLifeQuotes.com/apply.