Eddie, you're a nice guy and if I may make a suggestion:
If not wrong, I think you are wanting to learn more about annuities and how to sell them. My suggestion is to change course - instead of looking for a
FMO, I would look for a local agency that would be willing to train you and put you in front of prospective clients.
I cannot speak for all FMOs, but most FMOs work with experienced agents. With that in mind, by looking for the perfect
FMO that will teach you from the ground up, I think you will just be continuously disappointed.
After you learn from a local agency, and after you have built your confidence and also have some marketing capital, then look for a
FMO and better contracts.
Anyway, just a suggestion for what it's worth.
Best of success to you.