Your compensation.
Your schedule, how changes may be made, and the provisions governing your compensation.
INDEPENDENT INSURANCE DISTRIBUTION ADVISORY
You built
the agency.
Now protect
what you built.
Your agency. Your hierarchy. Your compensation.
Negotiate better contracts, secure meaningful business-to-business protections, and take greater control of your distribution business.
Confidential applications. Selective qualification.
THE IMO NEGOTIATOREST. ON EXPERIENCE
BUILT BY AN AGENCY OWNER.
FOR AGENCY OWNERS.YOUR BUSINESS.
YOUR TERMS.
FOR AGENCY OWNERS.YOUR BUSINESS.
YOUR TERMS.
COMPENSATION+HIERARCHY+OWNERSHIP+CONTROL
01 / THE QUESTION WORTH ASKING
Your IMO has a contract protecting its business.
Do you have one protecting yours?
You recruit agents. Develop leaders. Invest in marketing. Build infrastructure. Generate premium.
But what happens when the rules change?
- Your compensation gets reduced.
- Your hierarchy gets restructured.
- Your downline is promoted to your level without your approval.
- The business you built is no longer under your control.
A high compensation percentage means very little if the contract underneath it leaves your business exposed.
Find out what can be negotiatedA STRONGER FOUNDATION
Imagine an agreement
that protected you.
Move beyond the percentage.
Put the relationship in writing.
Your hierarchy.
Existing downline relationships, unauthorized restructuring, and reassignment of agents or agencies.
Your business.
Agency relationships, ownership rights, and restrictions on interference with what you have built.
Your next move.
Defined release, termination, and dispute-resolution procedures before you need to use them.
Would your current IMO sign it?
Available protections depend on the contracting parties, carriers, applicable law, and the final negotiated agreement. No provision or outcome is guaranteed.
02 / TWO PATHS. ONE OBJECTIVE.
Your business.
Your terms.
PATH A THE RIGHT PARTNERSHIP
Find your next
IMO partner.
For established agency owners seeking a better IMO relationship, with terms that reflect the business they bring.
- Competitive compensation schedules
- Compensation and hierarchy provisions
- Agency relationship protections
- Clear release and termination terms
- Business-to-business agreements where available
HOW THE ENGAGEMENT IS PAID
Where a participating IMO sponsors the engagement, that partner covers our fee after the agreed contracting milestone.
PATH B YOUR NEXT CHAPTER
Explore your
own IMO.
For experienced builders ready to explore their own distribution relationships through established industry aggregators.
- Independent IMO contracting structures
- Carrier compensation arrangements
- Favorable hierarchy provisions
- Distribution and organizational flexibility
- Long-term contractual foundations
HOW THE ENGAGEMENT IS PAID
For qualifying engagements, your agreed fee is due only after the specified carrier or aggregator contracts are established.
Subject to carrier and aggregator approval. Establishing an independent IMO does not automatically mean direct-to-carrier contracts.
03 / FIRSTHAND EXPERIENCE
Meet
Moe Ray.
FOUNDER
THE IMO NEGOTIATOR
He didn’t just study the problem.
He lived it.
Moe Ray is an insurance industry veteran, entrepreneur, and agency builder with experience across life, health, and property & casualty insurance distribution.
His experience includes the realities of building an organization: compensation disputes, hierarchy changes, and conflicts over control of the business he helped create.
He recognized a fundamental problem: agency owners often negotiate their percentages while overlooking the contractual protections that determine how secure those relationships actually are.
“I created The IMO Negotiator so other agency owners can negotiate those protections before they need them.”MOE RAY / FOUNDER
04 / A DELIBERATE PROCESS
First, we understand
the business.
We don’t make promises
before we review it.
Apply.
Tell us about your production, compensation, hierarchy, and the terms you’re seeking.
Protect confidentiality.
Review and execute a mutual NDA before sharing sensitive business records.
Share your records.
Provide production records, compensation grids, debt information, and relevant disclosures.
Private review.
Moe or his team evaluates whether a suitable negotiating opportunity exists.
Consider a proposal.
Qualified applicants may receive tailored relationships, structures, and proposed terms.
Move forward.
If you accept, we coordinate the next steps toward the applicable contracting process.
05 / ALIGNED INCENTIVES
Results.
Not empty promises.
Know the terms before you commit.
For eligible placements, a participating IMO pays our fee after the agreed milestone. For qualifying independent IMO engagements, you pay after the specified contracts are established.
All compensation arrangements, payment triggers, and conditions are disclosed in writing before engagement.
The IMO Negotiator may receive compensation from participating IMO partners. This creates a financial incentive to recommend those partners.
BEFORE YOU APPLY
A few straight answers.
Who is this for?
Established life insurance producers, agency builders, and agency owners seeking a better IMO relationship or an independent IMO structure. Every engagement is subject to qualification.
Can you guarantee compensation and protections?
Yes. If we decide to move forward with your application, we can confidently guarantee the compensation and protections agreed upon for your engagement.
When do I share confidential documents?
You will be prompted to share confidential documents after your Mutual Non-Disclosure Agreement (MNDA) is executed. Mutual means confidentiality goes both ways: both parties agree to keep our discussions and shared information confidential.
What is waiting costing your agency?
If your current agreement does not protect your compensation and hierarchy, continued growth may increase what you have at stake. The time to negotiate protections is before a dispute puts your business under pressure.
THE NEXT MOVE IS YOURS.
Most inquiries we review reveal the same problem: high-caliber agency owners either have no contractual protections or are bound by one-sided agreements that put them at a serious disadvantage.
Ready to turn the tables?
Confidential applications. Selective qualification.
No obligation to accept a proposal.