INSIGHTS

IMO Contract Insights

Straight talk on IMO contracts, overrides, and protecting the agency you built.

• How to Negotiate a Higher Contract Level With Your IMO

  Your contract level decides what you keep on every policy. Moe Ray breaks down how agents and agency owners earn a higher IMO level, and what to get in writing.

• Non-Solicitation Clauses in IMO Contracts: How to Protect Your Team Before You Sign

  A non-solicit clause can decide whether your agents can follow you when you leave an IMO. Moe Ray breaks down the terms agency owners should negotiate first.

• Who Pays When Your Agent Charges Back? Debt Rollup Clauses Every Agency Owner Should Negotiate

  Chargeback debt from your downline can roll up to you. Moe Ray explains debt rollup, advance caps, and the IMO contract terms agency owners should negotiate before signing.

• Are Your Renewals Actually Vested? 4 IMO Contract Clauses That Decide What You Keep

  Vested renewals can still disappear when you leave an IMO. Moe Ray breaks down the vesting, offset, holdback, and good-standing clauses agency owners must negotiate.

• How to Get Released From Your IMO (And the Clause to Negotiate Before You Ever Need It)

  Need an IMO release? Moe Ray walks through the release request, carrier transfer rules, and the release terms agency owners should negotiate before signing.

• Why Affiliate Marketers, Info Sellers, Coaches, and Influencers Are Moving Into Life Insurance

  Affiliate marketers, coaches, and influencers are building life insurance agencies. Here’s why — and what that means for your hierarchy and IMO contract.

• Do Override Percentages Matter More Than Protective Provisions in an IMO Contract?

  Your override is the spread. When a downline hits your level, it's gone. The 3 IMO contract provisions agency owners should get in writing.