What is an Annuity FMO/IMO?

An FMO (field marketing organization), alternately known as an IMO (independent marketing organization), is an organization that is licensed to sell insurance coverage and annuities in most, if not all, states.

How does an FMO help with annuities?

An annuity FMO/IMO serves as an intermediary between insurance carriers and independent agents. An annuity IMO provides support to agents by offering carrier contracts, access to education resources, a variety of tools to streamline sales, and back-office support.

How does an FMO increase annuity applications?

Annuities can be complex, with many product variations and compliance requirements. Partnering with a Field Marketing Organization (FMO) gives you the expertise, tools, and carrier access needed to confidently offer the right annuity solutions to your clients.

Who pays commissions on annuities?

Generally, the annuity carrier pays a commission out of the reserves of the policy. This is built into the policy, and most customers are unaware that a portion of their policy is used to pay the agent. Some annuities offer an ongoing commission for the duration of the contract. The exact details of the commissions you’ll earn from an annuity depend on the contract and carrier.

What licenses are needed to sell annuities?

Agents must hold state-specific licenses in order to sell annuities and other insurance products. Variable and registered indexed-linked annuities are regulated at the federal level and may require additional licenses.

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Comprehensive Training & Compliance Guidance

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Medicare

Coverage options for people 65+ and with certain disabilities.

Affordable Care Act

Comprehensive coverage ideal for individuals and families.

Ancillary Products

Fill your clients gaps in there Medicare, ACA or group health coverage.

Annuities

Give your clients a safe and secure retirement with guaranteed income and principal protection.

Life & Final Expense

A crucial financial safety-net to ensure the wellbeing of surviving families.

Long-Term Care

Protect your clients from the devasting costs associated with a LTC stay.

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With the right mix of insurance products, you can position yourself as a trusted advisor to build stronger relationships and deliver long-term value to your clients.

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September 4, 2025

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What is an Annuity FMO/IMO?

An FMO (field marketing organization), alternately known as an IMO (independent marketing organization), is an organization that is licensed to sell insurance coverage and annuities in most, if not all, states.
How does an FMO help with annuities?

An annuity FMO/IMO serves as an intermediary between insurance carriers and independent agents. An annuity IMO provides support to agents by offering carrier contracts, access to education resources, a variety of tools to streamline sales, and back-office support.
How does an FMO increase annuity applications?
Who pays commissions on annuities?

Generally, the annuity carrier pays a commission out of the reserves of the policy. This is built into the policy, and most customers are unaware that a portion of their policy is used to pay the agent. Some annuities offer an ongoing commission for the duration of the contract. The exact details of the commissions you’ll earn from an annuity depend on the contract and carrier.
What licenses are needed to sell annuities?