Final Expense Resources

If you're looking to boost your sales and get involved in a fast-paced environment, the final expense marketplace is where it is at! Final expense life sales is the fastest growing segment in the life insurance marketplace. Here you'll find all the resources you need to get started.

Proven sales training and mentorship.
Maintain independence. You own your agency, business, and renewals.
Support for building your own agency.
Growing a Facebook community of your peers.
Top final expense companies and contracts.
Exclusive/fresh leads, subsidies, and production bonuses.
Access to senior leadership.

Frequently Asked Questions

I am a career agent with another company and am required to write the majority of my business with companies that URL does not represent. Am I still eligible for the Gemini program?: Yes. URL is only interested in partnering with you for the companies that we represent. During the application process, and annually, we run a check through the National Insurance Producer Database to verify your active contracts.
Are there production requirements for participation in the Gemini program?: Yes. Gemini Partners must place at least 8 cases in a calendar year. Production is reviewed prior to EnO renewal.
How does the complimentary Errors and Omissions coverage work?: New Gemini agents or agencies with no previous business will be reimbursed for our EnO once you place your first case.
I am interested in participating in the Gemini program but there may be some companies that URL represents that I or my agency may not be able to place with URL. Am I still eligible?: We understand that every agent and agency’s situation may be a little different, and we look forward to discussing these on an individual basis.
Will the inability to secure a release from another brokerage firm, MGA, or FMO be a sufficient reason for not being able to place business with URL?: Although we intend to be flexible and review each relationship on an individual basis, the inability to secure a release will not be a sufficient reason for not placing business with URL. URL has always had an open release policy and we believe other brokerage firms should as well.
What if URL cannot match the commission level and other benefit packages I have elsewhere?: The Gemini Guarantee states that we will match and strive to better any arrangement that you have elsewhere. If we cannot match or better your current arrangement, then you will not be expected to place this business with URL.
What if I make the commitment to participate in the Gemini program and then change my mind in the future?: You may leave the Gemini program at any time with written 60-day notice. URL agrees to grant all necessary releases for you and any agency down line. Likewise, URL may initiate termination of your participation in the Gemini with written 60-day notice (all Gemini bonuses and other Gemini benefits will be considered earned until the date of termination).
How does the Gemini Group Health Bonus Pool work?: The Gemini Group Health Bonus Pool will be growing throughout the year with contributions made by URL from, among other things, profits from our enrollment platforms, joint cases, and referral business. The bonus will be exclusive to group health producers and paid April 1st of each year based on each producers percentage of total business placed with URL's group health carriers.
Are there Agency contracts available?: Yes. We look forward to discussing the advantages and benefits for any Agency or group of Agencies with 2 or more Sub-agents that is willing to participate in the Gemini program.
What are Gemini Special Events?: We believe that there is value in networking and camaraderie among professionals and we intend to promote this with unique events for Gemini participants.
What is Gemini Charitable Giving?: URL Insurance Group and The Gary C. Clemens Memorial Fund will prioritize causes supported by Gemini participants when considering our numerous requests for charitable giving up to $100.

The benefits of partnering with an insurance FMO

Whether you’re a veteran of the insurance industry or just getting started you might be curious about what an FMO is and how it can benefit you. So, let’s get started.

Smiling business man using a computer

What is an insurance FMO?

A field marketing organization (FMO) is a company that provides independent agents and agencies with extra support and tools to grow their business and make their lives easier. FMOs help support insurance agents and carriers in various ways.

**You’ll hear a variety of acronyms for brokerages in the insurance industry, check out our post, “What is the difference between FMO, IMO, NMO, MGA, or GA?” to learn more.**

What does an insurance FMO do?

Back-office support

It can be difficult to figure out who you can contact for questions, sales support, case management and more – especially if you offer multiple carriers. That’s where an FMO comes in. You can come directly to your FMO for everything you need for all the carriers you offer, because we’re your back-office support.

Smiling business woman using headset.

Tools and technology

FMO’s provide access to quoting tools and supporting technology, as well as product information and marketing materials, for all our product lines (annuities, health insurance, life insurance, and Medicare).

Advanced contracts

Most insurance carriers have production requirements that can be difficult to meet – but when you work with an FMO, our organization meets the production requirements for you, enabling you to work with more carriers and earn more money. Plus, some carriers will only work directly with FMO’s, pushing agents who want to offer their products to choose an upline.

For more information about commissions check out our post, “How independent insurance agents get paid?”

Simplified contracting

URL offers multiple lines of business with over 100 top national carriers – making it easy for you to get contracted with the right carriers all at once.

Open release policy

As an independent agent the last thing you want is to accidentally become captive, so this one’s a big one. Not all FMO’s offer an open release policy (allowing you to take your business wherever you want, whenever you want) like we do. We’re proud of our open release policy, helping you maintain your independence.

Business people shaking hands

Who owns my book of business?

This depends on the FMO you’re partnering with. When you partner with URL you keep your book of business.

How does an FMO make money?

FMO’s save agents and carriers time and money, so we’re paid directly by the carriers for the services they offer (including recruiting, training, commissions, application assistance, etc.). However, not all FMOs are created equal. Some will also keep a portion of your commissions as a fee for services provided. At URL, you keep 100% of your commissions. We also have options to pay hierarchies and agency splits as needed.

How to find the best FMO

When you’re researching FMO’s you should consider the following questions to help make the right choice for your business.

How long have they been in business?
Have you checked their reviews?
What product lines do they offer?
Would you have a dedicated representative?
Do they have an open release policy?
Who would own your book of business?
How much commission will I earn?
How to partner with URL

If you’re interested in partnering with URL, we’d love to have you. You can use the links below to get started:

Get to know URL by speaking with senior leadership
Sign up for a website trial account to view our resources
Fill out our FLASH packet to get contracted

Full-service Insurance Brokerage

Our Aries division is your full-service insurance brokerage offering annuities, health insurance, life insurance, and Medicare, with superior administrative and marketing support programs for independent insurance agents. We will help you grow your business with the product lines and tools you need to succeed.

Personalized service
Advanced back office support
Lead programs
Trips and incentives
Top compensation
Live and on-demand training

Insurance industry news
Carrier product information
Forms and applications
Quoting tools
Discounted Errors & Ommissions