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Good luck getting out of your Mutual of Omaha tie to AIMC. I tried and it was impossible. The only way is go one year without production. That's near impossible in my market. I don't mind MOO being with them. The clause in question is a "Sterling/Admiral" clause and is not in MOO's papers. I've never had issues with MOO, but these rinky dink jokers mentioned do nothing but muddy the waters.
I have my Admiral and Family Life thru AIMC. They are telling me that I am subject to a $250 fine if I replace an Admiral with Family Life.
I have a case now where one of my Admiral clients complained to me about his Admiral rate increase while I was there about life insurance. He asked if there something better. If he and his wife switch to Family Life, they would save $75/mo. The wife may not qualify to switch, so, if he changes and the wife stays with Admiral, they save about $35/mo.
I spoke to my GA about it. He said that , if I get a signed letter from the family that they brought up the change, I would not have to worry about being fined. I really don't know if that's true or not.