What is a life insurance FMO?

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

Why sell life insurance with an FMO?

Life insurance products are diverse, with many options, underwriting requirements, and compliance considerations. Partnering with an FMO gives you the guidance, resources, and carrier relationships to confidently recommend and sell the right policies.

Why sell final expense insurance with an FMO?

The straightforward nature of final expense coverage makes it a desirable product for new agents or those who want to enter the senior market. Partnering with an FMO like Pinnacle Financial Services can make this even easier by providing access to carriers, a comprehensive toolkit to aid your sales process, and expert back-office support.

How do I earn commission from life insurance sales?

Commissions are generally based on premium amounts, policy type, and carrier. Independent agents often receive a higher percentage of the first-year premium, with renewal commissions in subsequent years.

What do I need before I can sell life insurance?

First, you’ll need pre-licensing education followed by passing your state’s licensing exam. Educational requirements may vary by state. Then you’ll want to familiarize yourself with the types of insurance products available, and find clients who are in the market for these products.

Comprehensive Life Insurance Solutions Start selling life insurance coverage with Pinnacle.

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Sell Life Insurance with Pinnacle At Pinnacle, we make it easy for agents and agencies to succeed in the life insurance market.

Comprehensive Product Portfolio

Offer clients a full range of options, including term, universal, whole life, and final expense insurance.

Marketing & Lead Generation Tools

Access customizable marketing materials and lead programs designed to attract life insurance prospects.

Training & Compliance Guidance

Stay confident with up-to-date education on products, underwriting, and industry regulations.

Dedicated Back-Office Assistance

From illustrations to application processing, our team is here to support your sales every step of the way.

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Explore Life Insurance Products Learn about the full range of offerings from Pinnacle.

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Final Expense

Simplified Issued Whole life insurance. Geared toward the 65 and older market place with smaller face amounts typically $5,000 to $25,000. These types of policies are not fully underwritten but rather quick issue with no parameds or aps’. True guarantee issue plans are available.
Whole Life

Simplified Issue permanent life insurance available to clients up to age 85. Clients with a lump sum as low as $5,000 can pay up a life insurance plan to help pay for burial expenses and pass on wealth tax free. Geared towards the 60 and over market due to its simplified issue underwriting. No parameds or aps’ required.
Single Premium Final Expense

Simplified Issue permanent life insurance available to clients up to age 85. Clients with a lump sum as low as $5,000 can pay up a life insurance plan to help pay for burial expenses and pass on wealth tax free. Geared towards the 60 and over market due to its simplified issue underwriting. No parameds or aps’ required.
Universal Life & Indexed Universal Life

Flexible premium life insurance that can be structured to meet the goals and budgets of clients. Cash value is an option with Universal Life. Premium payments can be structured from one year to lifetime. Though similar to Universal Life Insurance, Indexed Universal Life differs on how cash growth is accumulated. Instead of a stated interest rate cash grows based on the performance of a market index such as the S&P 500.
Term Life
Life + Long-Term Care & Chronic/Critical Illness Waiver

Insurance Solutions from a Trusted FMO Access a comprehensive portfolio designed to meet every client’s needs.

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.

Life Quotes

Personal team of experts to assist in running your illustrations.

Health Screening

Find out what your clients will qualify for upfront.

Electronic Enrollments

A fast and easy enrollment process.

Dedicated Team

Assigned point of contact you can speak with on your case throughout the process.

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.

Proven Insurance Solutions from a Trusted FMO Access a comprehensive portfolio designed to meet every client’s needs.

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.

Access Top-Rated Insurance Carriers We provide everything you need to thrive in the Life Insurance market.

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Life Insurance News & Blogs Stay up-to-date on the latest industry insights.

February 18, 2025

Life Insurance Agent FAQs We answer your life insurance questions.