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Thanks for all of the information, that helps me understand the landscape much better. As a follow up, I looked at some of the names listed for IMO's. It appears, after looking at their websites, agents/producers can contract directly with them. Why would someone contract with a GA or FMO, if they can work directly with an IMO? In other words, why put the extra layers in there as a producer?
The levels in between are basically legs of support. Don't get too hung up on letters. Unless you can show BIG production numbers its not going to make a difference where you go. Probably get the same comp pretty much either way..
Just call around and find a couple groups you like.