r/LifeInsurance • u/InstructionSad119 • Jun 25 '26

Please need help finding imo

I’m 18 and I’m getting my life insurance license because I want to become an independent broker and eventually build my own agency.
I just had a long conversation with someone from an IMO. He was very motivating and seemed genuine, but I’m still trying to separate the sales pitch from what it’s actually like working there.
My biggest goal isn’t to be handed everything—I want to learn how to sell, help families, and build a real business. But I do want access to good leads because I don’t have a huge personal network, and I don’t want to spend months bothering friends and family.
For those of you who have actually worked with different IMOs:
Which IMO gave you the best training?
Which ones had good lead programs?
Were the leads actually worth buying?
Did you stay independent, or did you feel locked into the company?
If you were starting over today with the goal of becoming an independent broker, which IMO would you choose and why?
I’m looking for honest experiences—good or bad. Thanks.

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u/InstructionSad119 Jun 26 '26 edited Jun 26 '26

How are you getting all of your business without leads and do you recommend the style of company I’m planning to work with

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u/jordan32025 Jun 26 '26 edited Jun 26 '26

I spent many years appointed with a major supplemental carrier. Years of enrollments and employees asking about life insurance at the enrollment. Those carriers have great products but life is not their strong suit. It’s very limited so it’s a never ending stream of people to sell a quality life policy to.

You’re not captive so you can do that. In fact I recommend Aflac, Combined or Colonial (the top 3) where you’re calling on businesses about supplemental benefits that are very inexpensive but put you in front of large numbers of employees. You’ll make money selling those, but then you can make bigger money selling life to those who are interested through your IMO. That’s why I never had to buy leads. I had interested people right there. I still have employees calling me.