Thinking about joining an FMO? You’re not alone. Many health insurance agents—especially those starting out—are told that an FMO is the key to success.
And in many cases, they can be a valuable partner. FMOs offer access to carrier contracts, marketing support, training, and sometimes even tech tools.
But before you sign anything, it’s worth asking:
Is this the best fit for how you want to run your business?
Let’s walk through the key considerations—so you can make the right call for your future.
What to Consider Before Joining an FMO
FMOs can provide a ton of support, but there are trade-offs. Understanding these will help you choose wisely.
Independence & Contracting
In some cases, joining an FMO means your contracts are “owned” by them. That might limit your ability to move carriers—or move on—without jumping through hoops.
Tip: Before signing, ask how contract transfers and renewals work.
Commission Structure
Some FMOs operate on a revenue-sharing model where they take a portion of your commission in exchange for their services. That’s not inherently bad—but it’s worth weighing the value you receive in return.
Ask yourself: Am I getting enough support to justify what I’m giving up?
Technology Options
Many FMOs offer tech platforms, but some are proprietary or limited to the FMO’s ecosystem. If you prefer flexibility—or want to grow your tech stack your way—make sure the tools you’re using work for you, not just your upline.
Look for: Open access quoting, CRM integration, and tools that grow with your business.
What Do Independent Agents Really Need?
Whether you work with an FMO or not, most agents are looking for tools that let them:
✅ Quote across multiple carriers quickly
✅ Offer side-by-side plan comparisons
✅ Enroll clients online in minutes
✅ Stay on top of renewals, follow-ups, and compliance
✅ Grow their book without relying on spreadsheets
And most importantly—retain ownership and control of their client relationships.
How Quotit Supports Agents (FMO or Not)
At Quotit, we believe great tech can level the playing field for every agent.
Whether you’re completely independent or working through an FMO, Quotit gives you the tools to:
Quote, compare, and enroll in one place
No more logging in to five different portals.
Work smarter with marketing tools
Reminders, follow-ups, and renewals—built in.
Stay flexible and in control
You’re not locked into one carrier, one hierarchy, or one way of doing things.
Grow at your own pace
Quotit scales with your business, whether you’re solo or leading a team.
So… Should You Join an FMO?
Maybe. FMOs can offer valuable services, especially for agents who want structured support, carrier access, and help getting started.
But they’re not the only path to success.
If you value flexibility, independence, and the ability to customize your business—there are more tools available today than ever before. You can get the support you need without giving up control or commission.
Building a Future-Proof Insurance Business
Health insurance sales aren’t what they used to be.
Between rising consumer expectations, shifting regulations, and tech moving at lightning speed, the way agents sell and grow has evolved—and it’s not slowing down anytime soon.
Whether you’re solo or scaling, your ability to adapt will come down to one thing: having the right infrastructure in place.
Here’s what a future-proof agency setup should include:
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A centralized quoting engine that lets you compare multiple carriers in seconds
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Digital enrollments that save time and reduce errors
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Mobile-friendly client experiences—because that’s where buyers are
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A CRM or system of record to track prospects, clients, and renewals
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Marketing tools or integrations to drive growth during and outside of Open Enrollment
And most importantly—a platform that you can own and grow with, regardless of who you’re contracted through.
That’s where Quotit fits in.
We’re not here to replace your FMO. We’re here to empower you—the agent—to do more with your time, technology, and talent.
Own Your Business. Your Way.
You don’t have to go it alone—but you don’t have to give up your independence either.
Explore the tech that’s helping agents quote faster, enroll easier, and grow on their terms.
👉 Book a personalized demo today!
