Disability Insurance for Agents

I believe Principal simplified issue is up to a $4000 monthly benefit. Keep in mind that just because you have that benefit doesn't mean you'll qualify for it. The benefit paid at time of claim is determined by your pre-disability income. The monthly benefit amount the policy is issued at is simply a maximum.
Can I go direct with Principle or do I need to go through an IMO OR FMO? Because I am just starting out in insurance my 1099s are not large right now.
 
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