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- FMO stands for field marketing organization, similar to an independent marketing organization (IMO), assisting agents with insurance sales.
- NMO, National Marketing Organization, offers support for insurance agents across the country, specializing in health and life insurance products.
- FMOs focus on life insurance and annuities, while IMOs have a broader market segment approach.
- IMOs contract with one carrier, offering additional services like leads and marketing, while FMOs represent multiple carriers.
- FMOs concentrate on health insurance sales, providing access to higher commissions for agents.
- IMOs and FMOs provide agents access to carriers, products, marketing, and training, supporting agent success.
- MGA, Managing General Agent, oversees agent teams and partners with IMOs or FMOs for product access and training, earning commissions.
- IMOs help agents access insurance products and offer marketing and training, with a broader focus.
- FMOs concentrate on life insurance and annuities, representing multiple carriers for agent support.
