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.
2 articles in Guides
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 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.