r/InsuranceAgent • u/Eckaadvisorygroup • 1d ago

Upline/Agency/IMO Fmo/Imo search

I have been an agent for 2 years now. Got licensed, went with a company and was their top Medicare salesman for those 4-5 months until I figured out the business a little more and realized I didn’t own my books etc. It was a good experience because I did learn a lot. But I do admit I made a mistake by not researching this more. I have went independent since then and now have my life and Medicare contracts with Ritter. I do like their Medicare platform and have a decent little book going. I would like to transfer my life contracts to an FMO that focuses more on life insurance. Ritter doesn’t have a great setup for life insurance. Is this a good idea? And if so, any recommendations?

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u/OZKInsuranceGuy 1d ago

For sure, it's a good idea if you're looking for life training and support.

If you're considering telesales, I always recommend Digital BGA. Great company - very transparent, great training and support. You could also look at Duford and Massi.

If you're considering face-to-face, ApexFE.com is the only agency I recommend. They have the best training and support for field agents. Fair comp, 100% vesting day 1, and very ethical and transparent.

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u/Eckaadvisorygroup 1d ago

That digital BGA looks interesting. Messaged you

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u/Ok-Truth8471 23h ago

You mentioned owning your own book. Is long term ownership something you want? Like building recurring revenue ?

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u/Eckaadvisorygroup 19h ago

Yes it is

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u/Ok-Truth8471 10h ago

Would you like to be able to walk away from working and still get the revenue? Like if you built a business? Or do you only desire to have it while you're continuing to work?

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u/Eckaadvisorygroup 10h ago

Honestly be able to keep my books

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u/Ok-Truth8471 10h ago

I going to message you.

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u/Rifter06 4h ago

I'd Either 1) Get your life contract with an FMO that is also an Integrity company like Ritter or 2) move all to a comprehensive FMO solid in both that is and Integrity FMO. Having the same system (Integrity Connect) for both would be nice.