Insurance IMOs and FMOs: Compare 27 Marketing Organizations
An IMO, also called an FMO, contracts independent agents with insurance carriers. It adds support such as training, leads, tools and case help, and it usually earns an override on what you sell. A BGA, or brokerage general agency, is a wholesaler much like an IMO that focuses on life and annuity cases.
We compared 27 IMOs on lines, pay path, monthly fees, book ownership and whether they sell or route leads to agents, using the terms each one publishes.
- IMOs compared
- 27
- Carrier pays you directly
- 6
- Say your book stays yours, some only on a direct contract or License Only route
- 8
Quick picks by need
New final expense agent
Training and lead programs aimed at agents who are starting out. Check each one's release terms.
Medicare agent who wants carrier pay
Carriers pay you directly on Medicare business.
Annuity producer who wants case design
Case design and new-business help for annuity and life.
Brokers Alliance, Crump Life Insurance Services, Advisors Excel
Leaving a captive carrier
Two IMOs publish help for agents moving from a captive contract.
Agent who wants to own the book
The IMO says your book is yours from day one.
Quick picks are matched on published features, not ranked. Each list follows our default order.
Compare 27 IMOs
| IMO | Lines | Model | Pay path | Monthly fees | Book ownership | Leads |
|---|---|---|---|---|---|---|
| Equis Financial | MedicareLifeFinal expenseAnnuity | Producers and agency builders | No membership fee | |||
| Ritter Insurance Marketing | MedicareLifeFinal expenseAnnuityACA | Open contracting | Varies by carrier | No fee for its tools | ||
| Experior Financial Group | LifeFinal expenseAnnuityACA | Producers with an optional team path | Varies by carrier | $19 to $79 by level | ||
| PSM Brokerage | MedicareLifeAnnuityACA | Open contracting | No fee for the relationship | |||
| Eldercare Insurance Services | MedicareLifeFinal expenseAnnuityACA | Contracts agents and recruiting GAs | No direct tool fee | |||
| Brokers Alliance | MedicareLifeFinal expenseAnnuity | Open contracting | Carrier pays you directly | None | ||
| Western Marketing | MedicareLifeFinal expenseAnnuityACA | Open contracting | Carrier pays you directly | None for tools | ||
| Pinney Insurance | LifeFinal expenseAnnuity | Open contracting | Varies by carrier | None for its tools | ||
| Agent Pipeline | MedicareLifeFinal expenseACA | Contracts agents and agencies with downlines | None for its CRM | |||
| Family First Life | LifeFinal expenseAnnuity | Recruits downlines | Carrier pays you directly | No initiation fee | ||
| Crump Life Insurance Services | LifeAnnuity | |||||
| AmeriLife | MedicareLifeFinal expenseAnnuityACA | Contracts through affiliated IMOs | No LeadStar fee | |||
| Integrity Marketing Group | MedicareLifeFinal expenseAnnuityACA | Contracts through partner agencies | IntegrityCONNECT free | |||
| Senior Market Sales | MedicareLifeFinal expenseAnnuityACA | Open contracting | None for its software | |||
| The Price Group | MedicareLifeFinal expenseAnnuity | Phone sales, optional agency path | Carrier pays you directly | None | ||
| Financial Independence Group | LifeAnnuity | |||||
| Advisors Excel | MedicareLifeAnnuity | Optional, from $275 | ||||
| Brokers International | LifeAnnuity | Partners with agencies | ||||
| Ash Brokerage | LifeAnnuity | Open contracting | Varies by carrier | |||
| BGA Insurance | LifeAnnuity | Open contracting | ||||
| Simplicity Group | LifeAnnuity | Affiliate, outsource or partner | ||||
| Premier Marketing | MedicareLifeFinal expenseAnnuityACA | Producers and agency builders | No IntegrityCONNECT fee | |||
| BackNine Insurance | LifeFinal expenseAnnuity | Open contracting | Carrier pays you directly | None on the agent model | ||
| Quility and Symmetry Financial Group | LifeFinal expenseAnnuity | Recruits downlines | $42 for Switchboard Sites | |||
| The Marketing Alliance | MedicareLifeAnnuity | Open contracting for agencies | None for contracting | |||
| LIBRA Insurance Partners | LifeAnnuity | Network of partner BGAs | ||||
| Benefits Life | MedicareLifeFinal expenseAnnuityACA | Contracts agents and agencies | Carrier pays you directly | No required fee |
The list follows our default order, which rests on trust factors and never on payment. Terms as of October 2026.
See what IMOs charge for tools and leads in the cost guide.
Questions to ask before you sign
Will you release me if I want to leave?
A release is your current upline's letter that lets a carrier move your contract. Ask for the policy, any fee and how long the letter takes. Note any blackout months too.
Is there a waiting period before I can move?
Many carriers follow a six-month rule. It varies by carrier, but it often means about six months with no new business before a carrier moves your contract to a new upline.
Do my renewals stay with me?
Renewal vesting decides who gets paid on your book after you go. Get it in writing for each carrier you write.
Who pays me, the carrier or the IMO?
Direct pay from the carrier keeps your money out of the IMO's hands. Ask which carriers pay that way.
What level do I start at?
Street level is the standard commission a carrier pays an agent with no negotiated extra. Your contract level is the rate the IMO gives you, often a percent of the carrier's schedule. Ask for that schedule by carrier and line, and how levels rise or drop with production.
What happens to chargeback debt?
An advance pays part of a year's commission up front, and the carrier charges it back if the policy lapses early. Ask how that debt is repaid, whether interest applies and whether a downline's debt can become yours.
Do I have to buy leads?
Most IMOs make leads optional. Ask for prices in writing and whether leads come back to the IMO if you leave.
Frequently asked questions
What is an IMO?
An IMO, also called an FMO, contracts independent agents with insurance carriers and adds support such as marketing, training, leads and tools.
How is this list ordered?
We start from a default order built on trust factors, which are how many buyer facts the vendor publishes, whether its identity is verified, how openly it shows prices, how long it has been in business and an editorial review. Affiliate and paid links play no part, and a higher spot does not mean a better product. Read how we order vendors.
How we researched this. We based this page on each vendor's published pricing where available, terms and product pages, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.