Hi Everyone! I recognize that RIAs and bank-owned RIAs establish annuity contracts with intermediaries like IMOs as well as insurance companies. I was wondering if anyone happened to know the breakdown as to whether RIAs/bank-owned RIAs are more likely to work with an IMO or life insurance company. What would make an RIA for example choose to work with an IMO instead of directly with a life insurance company (e.g. volume of annuities sold)? Thanks in advance for your help!