---
title: "What Is IMO (Independent Marketing Organization)? | Epic Life"
description: "An IMO, or independent marketing organization, is a company that recruits independent agents and gives them access to carrier contracts, training,..."
url: https://epicline.preview.multisites.ai/glossary/imo
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Distribution structure

# Independent Marketing Organization (IMO)

An IMO, or independent marketing organization, is a company that recruits independent agents and gives them access to carrier contracts, training, leads, and support. It is not an insurance carrier.

## Why it matters

An IMO usually holds contracts with many carriers and shares them with its agents, often at a stated contract level. Agents may earn commission through the IMO or directly from the carrier, depending on the deal. Terms vary widely, so compare training, lead options, release rules, and how chargebacks are handled before joining one.

Source: [naic.org](https://content.naic.org/insurance-topics/producer-licensing)

[Read next, for agentsHow to join an IMO: the questions to ask before you sign](https://epicline.preview.multisites.ai/guides/how-to-join-an-imo)

## Where we use this term

-   [IMO vs FMO vs MGA: which structure fits an independent agent?](https://epicline.preview.multisites.ai/guides/imo-vs-fmo-vs-mga)

## Start your climb.

Tell us where you are today and request a call about licensing, training and the calls.

[Apply to join](https://epicline.preview.multisites.ai/apply)

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