What is a Field Marketing Organization?

Unlock the Potential of a Field Marketing Organization (FMO) for Insurance Agents

A Field Marketing Organization (FMO) empowers insurance agents to excel in the dynamic insurance industry. Whether you’re an independent agent or part of an agency, partnering with an FMO unlocks a world of benefits. FMOs, also known as Independent Marketing Organizations (IMOs) or National Marketing Organizations (NMOs), serve as catalysts that connect agents with insurance carriers, enabling agents to leverage the best products and expand their book of business.

Why Partner with an FMO

Amplify Your Portfolio: FMOs offer a comprehensive range of insurance products, including Medicare Advantage, Medicare Supplement, final expense, health insurance, and more. Collaborating with multiple insurance carriers, FMOs ensure you have access to top-tier products, enabling you to tailor solutions for your clients’ diverse needs.

Expert Guidance: FMOs provide extensive product training and support to help you navigate the insurance industry successfully. Dedicated product/sales consultants offer invaluable insights, enabling you to confidently recommend the best products to your clients.

Streamlined Contracting: FMOs simplify the contracting process, allowing you to contract with multiple carriers conveniently through secure online platforms. Say goodbye to cumbersome paperwork and welcome efficiency in your contracting.

Access to Quoting Tools: FMOs offer free access to CMS-approved quote engines, equipping you to generate accurate quotes for Medicare Advantage, Medicare Supplement, Part D prescription drug plans, and other insurance products. With a mobile app, you can easily access these tools on-the-go, enabling seamless client interactions.

Competitive Commissions: Partnering with an FMO ensures you receive competitive commission levels for your sales. FMOs work diligently to secure top commissions directly from carriers, ensuring you are recognized and rewarded for your efforts.

Open Release Policy: Embrace independence with FMOs that offer open release policies. This freedom allows you to explore new opportunities and pivot your focus if needed, without constraints. Be careful, not everyone will provide releases, so make your decision wisely.

Diverse Product Lines: Beyond traditional insurance products, FMOs often offer supplemental products such as hospital indemnity, long-term care, dental, vision, hearing, and more. Expanding your product offerings enhances your value proposition to clients.


As an independent insurance agent or agency, teaming up with a Field Marketing Organization (FMO) elevates your business to new heights. FMOs empower you with a rich portfolio of insurance products, expert guidance, streamlined contracting, quoting tools, and competitive commissions. Embrace independence with open release policies and leverage the best resources to unlock your true potential. Embark on a rewarding journey with a trusted insurance FMO, and navigate the insurance industry with confidence.

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