National Marketing Organizations (NMOs) or Field Marketing Organizations (FMOs) recruit and train agents to sell various insurance products. Many carriers require agents to contract with an NMO/FMO to sell their plans and then the carriers compensate the NMO/FMO when their agents sell plans. Although every NMO/FMO has different policies, it is important for you to understand these administrative fees do NOT come out of your commissions.

NMOs/FMOs are responsible for providing you the support and services you need to succeed. Not all NMOs/FMOs are created equal and neither is the support they provide! If you get contracted and never sell a plan, neither the agent nor the NMO makes any money. Do your research before you contract as choosing the right partner can significantly impact your future sales.