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What is a Field Marketing Organization (FMO)?

A field marketing organization (FMO) offers many benefits to independent agents and agencies. FMOs are also commonly called IMOs (independent marketing organizations) and NMOs (national marketing organizations) and vary through the insurance industry, but all have one thing in common: they market, sell, and distribute insurance products.

Most FMOs offer a large variety of services and opportunities to the agents and brokers they serve, some of which include:

Dedicated Support: Having a dedicated product/sales consultant makes a big difference when it comes to doing business. Product and sales consultants help you cut out the market research and analytics of what products to offer your clients and why. Additionally, having access to support teams that provide expedited contracting, handling escalated issues such as commission audits and licensing/appointment issues truly comes in handy; keeping you doing what you do best.

Top Tier Products: FMOs offer a range of products perfect for your portfolio, ensuring you remain competitive in your market space. FMOs generally offer agents and brokers with regional and national health plan and insurer options, including brand name and highly ranked plans.

Contracting On Your Time: FMOs typically have a secure online contracting system providing you with an opportunity to contract with multiple carriers with one-click. You can contract on your time and avoid the paper contracting process.

Quoting & Enrollment Tools: FMOs generally provide free access to agents and brokers to a CMS (Centers for Medicare & Medicaid Services) approved quoting tool. This will enable you to quote Medicare Advantage Insurance Plans (Medicare Part C), Medicare Supplement Insurance Plans (Medigap Policies), and Medicare Part D Prescription Drug Plans. If you’re working with a top FMO, they may also provide additional product lines within their quoting tools and portals, including access to supplemental products like dental, vision, and hearing, hospital indemnity, accidental policies, cancer policies, final expense, and ACA health plans.

What questions should I ask before choosing an FMO?

  • How long has the FMO or IMO been in the insurance business?
  • Do any of your associates do business with this FMO?
  • Do you have a dedicated representative at this FMO?
  • Does the FMO or IMO have a compliance department, and provide expedited contracting?
  • Does the FMO or IMO provide all product lines you work with (e.g., Medicare, ACA Health, Group Health, Life Insurance, Supplemental, Voluntary Worksite)?
  • Does the FMO or IMO offer reminders for licensing and appointments, maintain open communication through email and phone, and assist with commission and production audits?

You should ask questions regarding hours of operations, agent training, marketing assistance and other opportunities. If you are considering an FMO or IMO to assist you, consider looking at Gordon Marketing.

Gordon Marketing knows the value of agents, raises the standards for FMOs, and exceeds expectations. Gordon Marketing focuses on training out agents to be empowered and successful.

Gordon Marketing understands your needs, shares your values and exceeds your expectations. We help independent insurance agents and agency partners maximize their time and increase their sales. We are the premier provider of all things relative to life and health products.

We ensure our partners’ success by providing dedicated robust market support, unlimited training and education, quality products, and top contracts. In addition, our customizable marketing materials help them reach their target demographic.

We specialize in everything Medicare, life, and individual health, representing over 150 insurance companies. We are an award-winning national marketing organization. We are second to none with agent and agency support.

If you are interested in learning more about the opportunities and partnering with the Gordon Marketing as your FMO then fill out the interest form below.  A Gordon Marketing team member will contact you the next business day: