What is an ancillary insurance FMO?

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.

Why sell ancillary coverage with an FMO?

The ancillary health market is growing rapidly, and clients are increasingly looking for coverage that goes beyond major medical. Partnering with an FMO gives you the tools and resources to capture this demand and seamlessly integrate ancillary products into your portfolio.

Why sell ancillary products?

In addition to providing your clients with the coverage they need, ancillary insurance opens the door to conversations about other types of insurance coverage. This is a perfect opportunity to cross-sell, leading to happier clients, greater client retention, and more commissions for agents.

How do agents earn commission from selling ancillary insurance?

As is the case with most policies, the amount you earn is determined on the types of products you sell. Ancillary products are a percentage of the annual premium of a policy, though some carriers will pay a single upfront commission while others will pay lower commissions for the life of the policy.

What is commonly covered by ancillary insurance?

This product is used to supplement a client’s existing health plan, and may include coverage for dental, vision, hospital indemnity, critical illness, and more.

Sell Ancillary Health Insurance Expand coverage solutions with essential ancillary products.

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Sell Ancillary Health Insurance with Pinnacle We equip agents and agencies with everything they need to succeed in this growing market.

Direct Access to Leading Ancillary Health Carriers

Provide your clients with trusted products backed by strong financial institutions.

Comprehensive Training

Stay current on health insurance regulations and best practices.

Marketing & Lead Generation Tools

Attract more prospects with customized marketing materials and proven lead programs.

Dedicated Back-Office Support

From application submission to policy issue, our team ensures your cases move smoothly and efficiently.

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Services to Grow Your Ancillary Business Utilize our agent toolkit to sell more ancillary health..

No matter the size of your insurance business, Pinnacle has the tools you need to grow, organize, and stay compliant.

Fill Coverage Gaps

Offer protection for services and costs not covered by major medical plans and Medicare.

Year-Round Sales

Sell in every season with products not limited by enrollment windows.

Simple Add-Ons

Easily pair ancillary plans with Medicare or ACA for stronger solutions.

Boost Value

Increase your product mix with benefits clients appreciate and rely on.

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 Ancillary markets.

Get contracted today and gain access to the following carriers.

Carrier List

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

October 8, 2024

Ancillary Insurance Agent FAQs Get the answers to your insurance questions.

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What is an ancillary insurance FMO?

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.
Why sell ancillary coverage with an FMO?

The ancillary health market is growing rapidly, and clients are increasingly looking for coverage that goes beyond major medical. Partnering with an FMO gives you the tools and resources to capture this demand and seamlessly integrate ancillary products into your portfolio.
Why sell ancillary products?

In addition to providing your clients with the coverage they need, ancillary insurance opens the door to conversations about other types of insurance coverage. This is a perfect opportunity to cross-sell, leading to happier clients, greater client retention, and more commissions for agents.
How do agents earn commission from selling ancillary insurance?

As is the case with most policies, the amount you earn is determined on the types of products you sell. Ancillary products are a percentage of the annual premium of a policy, though some carriers will pay a single upfront commission while others will pay lower commissions for the life of the policy.
What is commonly covered by ancillary insurance?