Maybe you’ve been with your current FMOs for a while. You’re writing business, you’re doing your part—but when you reach out for help, the silence is deafening. Or worse, you finally get a reply… that answers the wrong question.
If that sounds familiar, you’re not alone—and you’re definitely not the only agent looking for something better this year.
Let’s talk about what’s really going on behind the scenes in 2025—and why agents are making the switch.
The Great Resignation (From FMOs)
There’s been a quiet shift happening in our industry.
More and more independent agents are walking away from the “big name” FMOs. Not because they’re quitting Medicare—far from it. They’re just tired of being treated like a number on someone’s override report.
What they really want is:
- Real-time, responsive support (without playing phone tag)
- Clear, upfront compensation and benefits
- Help with lead generation that doesn’t feel like a gimmick
- Freedom to run their business, but with the tools to succeed
And let’s be honest… a lot of FMOs promise those things. Very few actually deliver them.
“Support” Shouldn’t Feel Like a Buzzword
One of the biggest complaints we hear from agents who’ve switched to us?
“I kept hearing about support, but when I needed it, no one was there.”
Support isn’t a bullet point—it’s a relationship. It’s knowing that when AEP hits the fan, you’ve got someone in your corner. It’s having a real person walk you through contracting questions, carrier quirks, and that client who called at 6:57 p.m. on a Friday.
When agents switch FMOs, it’s rarely about money alone. It’s about feeling like someone actually cares about their growth.
What About the Tools?
Let’s not forget the tech side.
Agents tell us they’re craving modern tools—like automated client reminders, CRM follow-ups, and enrollment platforms that don’t require three logins and a carrier prayer circle.
But here’s the catch: not every FMO offers these tools. And even when they do, they often expect you to figure it out on your own.
Having great tools is one thing. Actually learning how to use them? That’s where a good FMO becomes a great one.
So Why Are Agents Switching?
Here’s the bottom line: agents are leaving FMOs that treat them like a transaction.
In 2025, they’re prioritizing:
- Mentorship over management
- Clarity over confusion
- Partnership over promises
It’s not just about the override anymore. It’s about community, transparency, and support that shows up when it matters.
In Conclusion: Is It Time for a Change?
If you’ve been feeling stuck or unsupported, you’re not imagining it. And you’re definitely not alone.
There’s a reason so many agents are exploring new partnerships this year—and you have every right to do the same.
Whether you’re brand new to Medicare or years into the game, the right FMOs should feel like a win. Not just during AEP, but all year long.
If you’re curious what that looks like, we’d love to show you how we do things differently. No pressure. Just a conversation.
👉 Reach out here if you want to explore what support can really feel like.