If you’re here, chances are you’re feeling a little… underwhelmed by your current FMO. Maybe they overpromised and underdelivered. Maybe you’re still figuring everything out on your own. Or maybe you’re just wondering: Is there a better partner out there for my business? The short answer: Yes. But before you make a move, let’s walk through what you really need to know.
🚪 1. You Don’t Owe Loyalty to a Broken System
FMOs are supposed to support you, not just collect overrides and send generic newsletters.
If you’re
- Still paying out-of-pocket for leads and tools
- Only hearing from them during AEP
- Getting no clear roadmap for growth
… it’s okay to start looking elsewhere. You’re running a business, and that business deserves actual support.
🔄 2. You Don’t Have to Start From Scratch
Let’s clear up a common myth: you don’t have to redo all your certifications just to switch FMOs.
In most cases:
- Your AHIP still counts
- Your carrier certs still count
- You just need to submit a release or wait out a short period (usually 3–6 months, depending on the carrier)
And no, you won’t lose your clients or your commissions. A good FMO (like TMS) will guide you through the process to make sure your business stays intact and your momentum doesn’t drop.
🤔 3. Ask: “What Am I Really Getting?”
Before signing on with another FMO, ask the hard questions:
- Do I get access to a real CRM (not just Excel with lipstick)?
- Is there marketing support or am I still on my own?
- Will I have a dedicated point of contact, or just an inbox?
- Can I get help building a downline?
- Is the training hands-on and timely, or outdated videos and wishful thinking?
Spoiler alert: most FMOs sound the same on paper. But very few actually deliver what independent agents really need to grow.
💬 4. Talk to Their Agents — Not Just Their Recruiters
Anyone can make a brochure look pretty. If you want the real story, talk to the people already in the system.
Ask them:
- “What kind of support do you actually get?”
- “How’s the communication once you’re onboarded?”
- “Do they care about your growth outside of AEP?”
At TMS, we’ll even connect you with real agents so you can hear it firsthand. No scripts. No fluff. Just real talk.
🧭 Final Thought: If You’re Even Considering It… You Probably Should
Most agents who switch FMOs don’t regret it — they regret waiting too long.
If something feels off, you don’t need to justify it. You just need to explore your options. The right FMO should make you feel in control, supported, and excited about your next chapter.
🎯 Want to talk through it?
Let’s hop on a quick call. No pressure. Just clarity.
👉 Book your discovery call with TMS here »