Notes from the contracting desk.
What we learn getting producers appointed and keeping them selling: how to read an FMO contract, what release really involves, and why certification season punishes anyone who starts it in October.
How to actually evaluate an FMO
The questions that decide whether a contract helps you: release terms, level transparency, who owns the file, what technology is included rather than resold, and how statements get reconciled.
Read the articleRecent posts
- Moving FMOs without stranding your book September 9, 2026, 10 min read
- Getting ready to sell before AEP, not during it September 2, 2026, 11 min read
More articles
Written by the people who prepare the carrier packets, chase the appointments, and read the statements.
Moving FMOs without stranding your book
How release works, why carriers impose waiting periods, what a mid-AEP move costs, how to sequence one carrier at a time, and what to get in writing before you sign anything.
Read the articleGetting ready to sell before AEP, not during it
A timeline worked backward from October 15: AHIP and carrier certifications, non-resident licensing, appointment submission, and the reasons producers are still not ready on day one.
Read the articleReading about contracting is the slow way.
Tell us what you write, which carriers you already hold, and what is stuck. We will tell you honestly whether we can improve on it.