# The IMO Negotiator

> Independent insurance distribution advisory for high-caliber agency owners. We help agency owners negotiate IMO contracts with business-to-business protections — hierarchy protection, no transfers without written consent, and comp compression protection — or move to a partner IMO / build their own. Confidential review. Selective qualification.

Key terms: override = the spread between your contract level and your downline's; override compression = the spread going to zero when a downline is bumped to your level.

## Articles

- [How to Negotiate a Higher Contract Level With Your IMO](https://www.theimonegotiator.com/blog/negotiate-higher-contract-level-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. Markdown: https://www.theimonegotiator.com/blog/negotiate-higher-contract-level-imo.md
- [Non-Solicitation Clauses in IMO Contracts: How to Protect Your Team Before You Sign](https://www.theimonegotiator.com/blog/non-solicitation-clauses-imo-contract/): 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. Markdown: https://www.theimonegotiator.com/blog/non-solicitation-clauses-imo-contract.md
- [Who Pays When Your Agent Charges Back? Debt Rollup Clauses Every Agency Owner Should Negotiate](https://www.theimonegotiator.com/blog/chargeback-debt-rollup-imo-contract/): 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. Markdown: https://www.theimonegotiator.com/blog/chargeback-debt-rollup-imo-contract.md
- [Are Your Renewals Actually Vested? 4 IMO Contract Clauses That Decide What You Keep](https://www.theimonegotiator.com/blog/are-your-renewals-vested-imo-contract/): 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. Markdown: https://www.theimonegotiator.com/blog/are-your-renewals-vested-imo-contract.md
- [How to Get Released From Your IMO (And the Clause to Negotiate Before You Ever Need It)](https://www.theimonegotiator.com/blog/how-to-get-released-from-your-imo/): Need an IMO release? Moe Ray walks through the release request, carrier transfer rules, and the release terms agency owners should negotiate before signing. Markdown: https://www.theimonegotiator.com/blog/how-to-get-released-from-your-imo.md
- [Why Affiliate Marketers, Info Sellers, Coaches, and Influencers Are Moving Into Life Insurance](https://www.theimonegotiator.com/blog/affiliates-influencers-coaches-life-insurance-agency-building/): Affiliate marketers, coaches, and influencers are building life insurance agencies. Here’s why — and what that means for your hierarchy and IMO contract. Markdown: https://www.theimonegotiator.com/blog/affiliates-influencers-coaches-life-insurance-agency-building.md
- [Do Override Percentages Matter More Than Protective Provisions in an IMO Contract?](https://www.theimonegotiator.com/blog/imo-override-percentages-vs-protective-provisions/): 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. Markdown: https://www.theimonegotiator.com/blog/imo-override-percentages-vs-protective-provisions.md

## Site

- [Home](https://www.theimonegotiator.com/): Services, approach, and founder (Moe)
- [Insights](https://www.theimonegotiator.com/blog/): All articles
- [Request a private review](https://www.theimonegotiator.com/?apply=1)