The final expense IMO/FMO for agents.

• Final expense lead programs to keep your pipeline full without buying leads blind.
• Simplified-issue quoting that matches a client to the right product fast.
• An exclusive final expense lead program that reaches a more targeted market of potential clients.
• Competitive final expense contracts with commissions that reward production.
• Graded death benefit and guaranteed-issue options for clients who cannot qualify for full underwriting.
• Simplified underwriting and digital applications that move a case quickly.
• An online product training platform, custom business cards, and a marketing and prospecting portfolio.

• 1. The grid, before you sign. The full commission grid for the final expense carriers you will write, in writing, before any contract. At Brokers Alliance the grids sit side by side in MyAdvisorGrids, so the comp conversation happens in the open. How street level and overrides actually work: street level commissions and overrides, explained.
• 2. Every cost, named. Contracting fees, platform fees, and what the leads actually cost you. A generous level with fees behind it can net less than a transparent one. Here there is no fee to contract, no platform fee, and the lead program, training, and quoting tool come with the appointment.
• 3. Shelf depth where it counts. Final expense placement lives on underwriting spread: every carrier draws its health knockouts differently, so a deep simplified-issue and guaranteed-issue shelf is what turns a decline at one company into a placement at another. Ask which carriers, in your states, at what levels. Our current lineup is on this page; the carrier directory shows what is open in your state.
• 4. Leads you are not buying blind. Ask how the lead program works, who else gets the same lead, and what happens when you pause. The Brokers Alliance final expense lead program is exclusive and comes with the contract.
• 5. Tools that quote fast. A final expense sale happens at the kitchen table or on the phone, and the shop that makes you quote from PDFs is costing you placements. The FE quoter runs level, graded, and guaranteed issue quotes across the lineup side by side, in seconds.
• 6. A clean exit. Ask for the release policy in writing before you join. Ours: releases are granted on request, no notice period, and the only holds are open fraud or carried debt, which is paid down and the release follows. The whole process, from either side, is in how to get released from your IMO.
• 7. Ownership. Your book is yours, your downline is yours and stays yours, and vesting terms belong on paper before you write your first case.

That is the whole test. The same interview, sitewide and with our answers filled in, is the criteria table for choosing an IMO, FMO, or BGA. If you are moving an existing FE practice, start with switching your IMO.