Hello all, I just passed my Life and Health exam and plan on becoming an independent agent. If I were to join an IMO that specializes in Final Expense sales, but the carriers they go through also offer ROP term or something completely different, would I be able to sell those policies as well?
Question regarding IMO's and carriers
- Thread starter DF2727
- Start date
- 16,884
You can sell all products the insurance companies offer. What an IMO specializes in is generally what they train you to focus your marketing on.
IMOs that don’t have a main product focus are generally bad at everything and are just throwing a wide net.
- Thread starter
- #3
Thank you very much. I'm still figuring a lot out. I'm not entirely sure what my main focus is going to be, but I know I'd like to be able to offer a variety of policies depending on what my clients needs were.
Then you don't want to approach this business from the FE side. If you do, that's all you're going to find. You don't really have many opportunities on the FE side to cross sell anything. You'll be stuck.
If you do it from the Medicare side (I'm talking about the senior market because you talked about FE), then you can and will have the chance to cross sell other insurance products.
- 16,884
Everyone can do that. What makes you successful or not is figuring out a niche that you want to mainly focus on. Specialists make the sales and the money in this business. Agents who dabble with a little bit of everything fail out within the 1st year. You want to be an expert at something.
- Thread starter
- #6
Absolutely I understand where you're coming from, but for example I know a few people who have personally said they'd like to talk to me once I'm fully licensed and I know FE or Medicare are not options for them. I wanted to make sure I'd be able to at least offer policies for certain clients even if that's not where my main focus is
You can work with multiple IMOs for different carriers and products.
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