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An FMO connects independent agents to carriers via contracted access, training, and back-office support. Carriers split commissions 70:30 or 80:20. Here is how FMOs work and how to choose one.
The free-look period gives new policyholders 10 to 30 days to cancel and receive a full premium refund. Here is what every agency operator needs to know about timelines, state rules, and churn prevention.
NIPR processed 138.5 million transactions in 2024, a 33.6% year-over-year jump. Here is what every agency operator needs to know about the producer registry, NPN, non-resident licensing, and CE auto-verification.
MIB Group maintains coded underwriting flags on roughly 15 million consumers. Learn how its 230 proprietary codes work, what FCRA compliance requires, and how agencies should prepare applicants.
Insurance CRM pipelines use 7 structured stages from Lead Capture to Post-Sale. Agencies using them achieve 35% higher close rates than generic 3-4 stage pipelines.
Rebating is illegal in 48 states and carries fines up to $25,000 per violation. Learn the definition, prohibited forms, state exceptions, and NAIC commercial gifting thresholds every agency must know.