IMOs and uplines
IMOs and uplines
IMO, FMO, BGA and MGA in one diagram, and how to choose an upline in writing.
Disclosure North Life Group is a licensed life insurance agency that contracts agents. Agencies that contract agents, ours included, are paid an override on the business those agents write. Contracting terms are shared on a call. How we are paid
- IMO, FMO, BGA, MGA and NMO in one diagramIn life insurance these are heights on the same ladder between the insurer and the writing agent. No regulator ranks them, which is why the sources disagree.Checked Nov 11, 2026 · 6 min
- What an IMO is, and what it costs youAn IMO never sends you a bill. It is paid out of the same commission you are, and the price shows up as the level you are offered.Checked Nov 11, 2026 · 7 min
Agents and future agents
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