Page 6 of 35.
IMOs that ladder three to five contract levels, price each tier 25%-40% higher, and vest renewals over five years commonly see downline retention reach 93%-95%.
Cutting downline time-to-first-commission from 6 months to 2.5 months: the AI-and-AMS stack IMOs use to activate, retain, and pay agents faster.
A $30 exclusive lead with 68% contact and 12% close can cost $368 per placed policy: the formula every solo final expense agent needs before buying more leads.
A 5-minute text-and-booking sequence lets a solo insurance agent lock in meetings before any other dialer reaches the same lead again.
IMO back-office guide: segment downline persistency by cohort, map override tiers to contract level, and cut leakage below Kadence's 3% error threshold.
FCC's Feb. 2024 ruling puts AI voice dialers under TCPA law: written consent, 8am to 9pm windows, $500 to $1,500 per-violation exposure in 2026.