Financial Independence Group review for agents: contracting, pay, release terms and leads
Financial Independence Group, known as FIG, is an IMO and FMO for independent licensed financial professionals. It supports fixed and fixed indexed annuities, life insurance, disability income and care planning, with advisor education, marketing help and the FIG Portal.
- Best for
- Annuity and life producers who want planning resources, education and a portal more than a recruiting team
- Lines
- Life, disability income, care planning and fixed and fixed indexed annuities
Our take
FIG does not publish contract levels, pay path or release terms, so ask for the producer agreement and commission schedule before you sign.
Pros
- Help with disability income, care planning, life and annuities from one firm
- Advanced planning resources and advisor education
- FIG Portal with Action Center and FIG Intelligence
- Portal terms give users ownership of the content they put in
Cons
- Contract levels, advances and chargeback terms are not published
- Release policy and renewal vesting are not published
- Portal fees exist under the terms, but prices are not published
- No public carrier list by line
How you would join
- How to start
- Call 800-527-1155 or email helpdesk@figmarketing.com
The published contacts are 800-527-1155 and helpdesk@figmarketing.com. Financial Independence Group, LLC is the portal counterparty, but the entity that signs the producer or agency agreement is not published.
Whether you contract directly with FIG or through an agency under it is not published, and neither is the upline chain.
How you get paid
Ask for the schedule by carrier and the pay-path forms before you contract.
Leaving
Under the April 1, 2026 portal terms, users own their Customer Content and AI Inputs, while FIG owns non-customer data and de-identified derivatives. Portal rights end when the portal agreement ends, and an export process is not published. Payment obligations incurred before portal termination survive termination.
Producer advances, chargebacks and other agent debt on exit are not addressed in those terms.
Lines and carriers
On the product side FIG handles life insurance, disability income, care planning and both fixed and fixed indexed annuities. FIG says it has more than 100 carrier and strategic partners, but no carrier list by line is published.
Leads, tools and who pays
- Tools
- FIG Portal with Action Center, FIG Intelligence and Tracker
- Who pays
- You or your organization pay any portal fees you run up
- Data portability
- Portal rights end when the portal agreement ends
The FIG Portal includes Action Center for reviews and renewal opportunities, FIG Intelligence for client and policy insights and Tracker for marketing activity. Under the April 1, 2026 portal terms, users or their organizations pay incurred portal fees.
Training and production
FIG offers training rooms at its Cornelius headquarters plus marketing support, advisor education and advanced planning resources. SERVEFIRST is a sales training program covering prospect decisions, trust and objections.
Contracting, certifications and E&O
- Certifications
- State and carrier annuity training before you solicit. LTC training at the start and every two years
- Group E&O
- A FIG program through CalSurance, with new-agent discounts
You must keep every legally required approval to sell carrier annuities. Carrier-specific and state annuity training comes before solicitation, and most carriers require initial LTC training plus continuing LTC training every two years before license renewal.
CalSurance lists a FIG-specific E&O program with no group policy aggregate and new-agent discounts. No premium is stated.
Ownership and channel
FIG is privately held and independently owned, and no parent is named. FIG hosts a Financial Fire Drill consultation for consumers covering life, health, Medicare, disability income and P&C planning.
Financial Independence Group alternatives
- Advisors ExcelAnnuity marketing and case design for established advisors
- Brokers AllianceFree to contractOpen contracting with case design and no platform fee
- Crump Life Insurance ServicesLarge life, annuity and disability shelf with case design
- Ash BrokerageOpen contracting BGA focused on life and annuity cases
See every option in insurance iMOs.
Frequently asked questions
What contract level and pay path does FIG offer?
FIG does not publish contract levels or whether carriers pay you directly. Ask for the commission schedule and pay-path forms by carrier.
Can I leave FIG and keep my book?
Release and book terms are not published. The portal terms cover only portal content, so what you keep depends on your producer agreement and on the rules of each carrier.
Does FIG offer Medicare?
FIG offers annuities, life insurance, disability income and care planning. Medicare is not among its lines.
Does the FIG Portal cost anything?
The portal terms say users or their organizations pay incurred portal fees. Prices are not published.
How we researched this review. We based this review on the terms and product pages published by Financial Independence Group, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Financial Independence Group quit selling or a contract term that reads different now, let us know and send the link to the page where Financial Independence Group has it. Somebody here pulls up that page and checks it before we change anything on ours.