For agencies, IMOs & FMOs
Partnerships for Agencies, IMOs & FMOs: Bring your book
somewhere serious
We partner with agency owners and producers who are good at this and want better economics, better case support, and room to build. No recruiting theater — just a straight conversation about whether it fits.
01
Better negotiated contracts
Our production profile and carrier relationships let partners access contract levels that are difficult to reach independently. You keep more of what you write, and the terms are transparent from day one.
02
Autonomy, not a downline cage
You keep your brand, your book, and your clients. No forced lead programs, no mandatory scripts, no manufactured production quotas designed to keep you dependent.
03
Case design and back office
Advanced case design, illustration support, underwriting advocacy, and submission handling. The complex cases stop stalling because there's a team behind them.
04
Credibility by association
Working with a firm known for sophisticated, high-value clientele changes the conversations you can have. Your agency gets positioned upmarket — with the technical support to actually deliver there.
Who this tends to fit
- Independent agencies looking for stronger contract levels
- IMOs and FMOs seeking advanced-market capability
- Producers moving upmarket into HNW and estate cases
- Teams that want support without giving up ownership
What happens next
Send a short note below. We'll review it, and if there's a plausible fit we'll set up a call to walk through contract levels, support structure, and how cases actually run day to day. If there isn't a fit, we'll tell you that directly — nobody benefits from a partnership that doesn't work.
Everything shared is confidential. No lists, no drip campaigns.
How we support partners
The work behind the contract level
Contract levels get attention in recruiting conversations. What actually changes your practice is whether someone picks up the phone when a case gets complicated.
Advanced case design
You bring the relationship and the facts; we build the structure. Trust-owned designs, buy-sell funding, estate liquidity, financed cases, and blended life-and-annuity income plans — modeled at conservative assumptions, not just illustrated rates.
Underwriting advocacy
Informal inquiries across carriers before anything formal is submitted, cover letters that give the underwriter context, financial justification packaged for large face amounts, and direct conversations when an offer comes back rated.
Illustration and submission support
Illustrations turned around fast and stress-tested three ways. Applications packaged, APS chased, and status tracked so cases stop dying in the paperwork gap between application and issue.
Advisor-team coordination
We'll get on the call with your client's attorney and CPA. Advanced cases fail when the insurance design and the estate plan are built by people who never spoke — we handle that coordination so you don't have to referee it.
Carrier access
Twenty-plus carriers, no house product
We place business on an independent, non-captive basis across the major life and annuity carriers — indexed and guaranteed universal life, whole life, term, MYGAs, fixed indexed annuities, and income-rider designs.
Nothing is house-required. A case goes to the carrier that underwrites it best, not the one that pays the upline most. For impaired risk, foreign nationals, and jumbo face amounts, we shop informally across carriers before anything formal is submitted.
Partner questions
- Do I keep my book and my clients?
- Yes. Your brand, your book, your renewals, your relationships. That's in writing, and so is our release policy — if it doesn't work, you leave with your appointments.
- Is there a production requirement?
- No manufactured quotas. Contract levels escalate on stated production thresholds, and those thresholds are disclosed before you sign, not discovered later.
- Can I just refer a single case?
- Yes. Plenty of attorneys, CPAs, agents, and producers send us one complex case rather than entering a full partnership. We'll agree the compensation arrangement up front and keep you in the loop through placement.
- What size cases do you typically work?
- Our focus is high-net-worth and complex-income planning — large permanent designs, estate liquidity, business-owner and exit cases, and income structuring for variable earners. That said, we don't turn away a straightforward case from a partner we work with.
Support for generalist agents
You do not have to serve only the high end to partner here
Most of our public case work is advanced-market: estate liquidity, premium finance, business-owner exits, and concentrated-wealth planning. But many of our partner agents serve working professionals, pre-retirees, and small-business owners who need straightforward protection, IUL retirement-income designs, and annuity income strategies.
Middle-market case design
Term-permanent comparisons, family protection planning, IUL funding illustrations, and FIA/MYGA income analysis for clients who are not HNW but still need competent advice.
Same carrier access
Our carrier relationships and contract levels apply to mainstream cases too. You get the same shopping power, underwriting advocacy, and submission support whether the case is $500,000 or $50 million.
Advisor education
We keep a growing library of practical guides — written for agents, not consumers — on the cases you actually see in your office.
No minimum case size
A straightforward term or annuity case from a partner we trust gets the same attention as a complex advanced-market design. The relationship matters more than the ticket.
Explore a partnership