IMO downlines
10M Policies of Data Reveal Cross-Sell Gaps for IMOs in 2026
Automated cross-sell hits 2.4-3.1 policies per client vs 1.5 average, per USTech Automations, exposing gaps IMO downlines can prioritize in 2026.
8 min read
Kadence Guides — Page 15
Guides
Kadence Guides
Page 15 of 42.
AI back office
AI-Powered Back Office: 2026 Test Plan for Life Agencies
64% of U.S. life agencies now use AI in a core workflow, yet manual reconciliation still drains 3.2% of commissions from a growing team's shared book.
9 min read
multi-state licensing
Multi-State Onboarding Sequence That's Compliant on Day One
A 90-day onboarding plan with weekly milestones cuts 12-month producer attrition about 30%: the license-first sequence for compliant multi-state hires.
9 min read
IMO downline management
Agent Scorecards for Downline Performance Management (2026)
5 to 7 KPIs, weekly 15-minute reviews, and calibrated scoring keep large IMO downlines measurable without making producer relationships feel punitive.
10 min read
IMO contract levels
Structuring IMO Contract Levels That Balance Override Revenue with Agent Retention
IMO contract levels typically use 3 to 5 tiers with 25% to 40% step ups and a 15 to 20 point new business versus renewal gap to protect override revenue.
9 min read
post-call QA
How to Set Up an Agency QA Loop That Lifts Placement Ratios
A weekly QA loop scoring 100% of producer calls, calibrated to 85% inter-rater agreement, turns call patterns into coaching that moves placement ratios.
10 min read