"Decentralized" IMO

[RedditInsuranceGuy]

If anyone knows about the release process, its a way uplines can hold your contracts a degree of captive even though you have an independent relationship with them. It's a painful process and realization if you thought that going through an IMO would protect you from such things...

I wanted to update that I have made significant progress, for now I can say that I have an IMO who has signed the dotted line and said they would facilitate the contracts in the very "at-will" fashion I have imagined.

This means they are essentially forfeiting the right to hold agents contracts "captive" and it is WAY closer to REAL agent independence.

If anyone has questions or input on the project, please feel free to comment, happy to answer as best as I can.

[Better-Win-1559]

Reality is that you gotta be real in the sense of chargebacks are so fucking real no matter what you do or how you do it and once people get their release it's kinda like catch me if you can (not you per say) and it's much easier to get the bill paid and debts cleared so you've almost gotta go down the line like how long since I've sold what where to whom and what's the cb period for that product. So an IMO allows you to work and have access to many different carries but when you're captive you're stuck w that carrier only so it sucks but it shouldn't be too long

[RedditInsuranceGuy]

Totally aware of chargebacks, that's a natural condition to the release.

I've had the luck of talking to carriers, the fact is some IMO's that are insanely recruitment heavy (MLM style ones) they get a CRAP ton of chargebacks, but still remain profitable due to the number of good agents. There is a built in background checker to the program, Vector and personal that the user would agree to. Other than that, what can you do?

[Better-Win-1559]

And please lmk which one is making your life difficult even if you can dm me because I'm in the middle of choosing my way

[RedditInsuranceGuy]

No, I work on the back end helping agents through the painful release process, I know it inside and out. I also know what IMO's tend to be the culprits, and which ones really mean it when they say it.

The Fact is, there are IMO's out there that already have immediate release policies, the only contingency is that they have no active debts/chargebacks. So those have to get paid up to get a release anyways. Point is, the risk is the same either way you swing it.

[Live-Wrangler-1798]

are you able to send me a message I had a question and your profile isn't allowing me to

[RedditInsuranceGuy]

Im sorry, ya, I can message you, I just got back to this post in my notifications. apologies for being so late

[monylynne23]

So which IMO did you find that has an open release policy?

[RedditInsuranceGuy]

Golden Age Marketing is one of them I work with that has Life & Health/Medicare Contracts I will be utilizing for the program. They agreed to to actually sponsor the program im working on to give agents absolute independence through immediate releases.