Carriers/Insurance Companies – Every 1099 that leads
to a commission being paid to an agent typically has a
Carrier’s name on it. Without the insurance companies
that create the products our agent force distributes; we
would not be able to serve the beneficiaries.

Marketing Organizations – For years FMOs, NMOs,
MGAs, SGAs, or any other 3 letter acronym you want to
assign them have been the glue that held the majority of
insurance carriers to the combined distribution. Many
insurance carriers have tried to bring a product to market
and cut out the so called “middleman” only to meet great
disappointment at their ability to leap over the collective
progress that has been created by these organizations.

Agents/Agencies – Insurance Agents and small to
midsize agency owners are the boots on the ground.
Whether telephonic and technologically innovative or
plowing through fields comprised of long drives on rural
routes and the less than desirable living conditions of
some of the beneficiaries that need our services the
most, the agent that has the grit to persist in this business
is perhaps the most important variable in all the
commotion. They’re definitely the backbone of the
industry.