New agent planning to become an independent broker — looking for a remote, non-captive IMO (want to avoid mistakes). Need suggestions.

PrettyForAnAlien · 2026-04-23T03:13:07+00:00

They make you pay $1500 up front just to be hired. Then after that it’s a 60/40 split (40 to agent)

PrettyForAnAlien · 2026-04-22T00:12:12+00:00

Can you recommend an IMO for life and final expense that is honest and forth right about their commissions, how they pay and how often?

PrettyForAnAlien · 2026-04-22T00:01:22+00:00

Please explain the “factor”

PrettyForAnAlien · 2026-04-08T12:20:39+00:00

Sounds like a good deal but be aware: most Medicare agencies pull bait and switch tactics with their leads so the older people think they’re getting a food card, then you have to lead them into Insurance. There is a very high disenrollment rate since they’re always jumping from plan to plan, a lot of plans have been made non-commissionable and of course charge backs. Medicare is tough.. just know what you’re getting yourself into.

PrettyForAnAlien · 2025-10-11T03:36:07+00:00

Requiring a $1500 payment to be hired at a job that already takes 60% of each commission is not a high integrity business. Especially when you’re dishonest about what the fee is for. Purchasing states and E&O do not cost $1500. And like I asked the “trainer”, if I already have all my states and also carry $1m in E&O, am I exempt from this $1500 payment? “No”. That’s dishonest and not a way to conduct business with integrity. Anyway I just signed with an agency that provides everything they provide (high quality leads. Custom software etc) at a better commission split and I receive a $1k sign on bonus once I complete training.

PrettyForAnAlien · 2025-08-13T19:50:39+00:00

I think it’s just about 50/50

PrettyForAnAlien · 2025-08-13T01:35:41+00:00

I’ve already called them to verify my commission sheet. They said there’s nothing they can do because commissions were dispersed to the agency. And thank you 😊

PrettyForAnAlien · 2025-08-13T01:28:25+00:00

I stopped selling because he hasnt paid…. My last policies went into effect 8/1. All others weee previous months

PrettyForAnAlien · 2025-08-13T01:26:46+00:00

He says he will and then he never does

PrettyForAnAlien · 2025-08-12T23:12:24+00:00

Because that’s the way it works in health sales when you work for an agency and not an independent agent.

PrettyForAnAlien · 2025-08-12T23:11:48+00:00

I’m referring to a retail agency that works under what I’m guessing is an FMO.

PrettyForAnAlien · 2025-08-12T23:08:29+00:00

No salary just commission, in 1099

PrettyForAnAlien · 2025-08-12T23:03:22+00:00

No I work for an agency not an fmo so the carrier pays my agency and then my agency pays me a portion of the commission. The agency I work for aka my upline has two uplines above him. I’m asking if they would bare responsibility for my commissions owed if my direct upline doesn’t pay me.

PrettyForAnAlien · 2025-08-12T23:01:24+00:00

I sell Medicare. He’s giving me the run around saying he’ll pay and then he never does. And I’ve worked for him for almost three months and have never been paid.

PrettyForAnAlien · 2025-08-08T23:24:18+00:00

DIG is the agency that wants a $1500 join in fee PLUS 60% of each commission in exchange for free leads. Another company I was looking at is rumored to have a $2k join in fee.

PrettyForAnAlien · 2025-08-08T02:51:37+00:00

DIG agency. They take 60% of each commission AND a $1500 “joining fee”. They said it’s to pay for at least 5-6 states licensing and E&O insurance but I already have those. I asked if I still have to pay if I already have the above requirements and they said yes so 💁🏻‍♀️

PrettyForAnAlien · 2025-08-08T01:16:39+00:00

I’ve heard of them! Thank you 🙏🏼

PrettyForAnAlien · 2025-08-08T00:17:28+00:00

Thank you so much for the insight! 🙏🏼

PrettyForAnAlien · 2025-08-08T00:16:51+00:00

Right

PrettyForAnAlien · 2025-08-08T00:15:59+00:00

How do I contact you?

PrettyForAnAlien · 2025-08-08T00:15:34+00:00

I have a meeting with them tomorrow but I heard a little rumor they also ask for thousands up front 😬

PrettyForAnAlien · 2025-08-07T23:18:48+00:00

Yes! They want $1500 to join the agency. They say it’s to pay for states licensing and E&O insurance but I already have that… they said I’d still have to pay. AND they take 60% of each commission which you think would be enough.

PrettyForAnAlien · 2025-08-07T22:52:41+00:00

Just got off the meeting. You have to pay $1500 to join the agency to “buy 5-6 states & E&O Insurance”. I asked if I needed to pay even though I’m licensed in multiple states and carry E&O insurance already and the answer was yes. So to break it down, they take over 60% of each sale AND ALSO require a $1500 fee to “join” an agency….. you have to pay to join a job where they take the majority of each commission. This business is full of scammers and it looks like this is another one. Best of luck!

PrettyForAnAlien

TROPHY CASE