I have never signed a written contract with an IMO and I am sure FEX does not require one. However, an owner of the business can make the rules and also make exceptions to the rules as he pleases in the absence of a written contract. Therefore, I would be inclined to take the owner's word over that of a downline.
Final Expense Customer Service 2022
- Thread starter noah
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- 19,647
Which owner? Most IMO's do have contracts. And what word of one owner? Rantings on a message board?
You can continue to call FEX a captive agency. You will just continue to be wrong.
I have never called FEX a captive agency.. I just posted what an owner had to say. I cannot imagine there is a conflict among the owners over such a minor issue, but if there is, let the other owner post to clarify the situation.
I stand corrected.. Just pulled my old contracts and discovered I was with 5 star for a few months late 2013, early 2014. Shortly after I contracted 5 Star sent out a notice that in order to keep their contracts they had to produce $2K per month. No big deal but I do not like production requirements.. especially if they are added after contracting so I never submitted an app. Contract was terminated May 2014.. My apologies to JD EasySorry, but I was never with FEX. I am not bewildered by it and all I did was repeat what an owner had stated several times. Don't know why it got your panties in such a wad. Are you saying that when a person contracts with a company through FERX, they have to actually sign a contract with FERX in addition to the company contract?
- 30,581
I've never seen a contract with an IMO, only carriers.
I've signed a contract with 2 captive companies(Globe Life and Physicians Mutual).
- 19,647
It's obviously not a minor issue to you. If you are not calling FEX captive then who are you calling captive?
There is nothing to clarify. Scott made a dumbass comment that you keep taking out of context. But you're not calling them captive.
As for your 5 star, you posted about it here. That's how I knew.
- 19,647
They have them. You have never been with an IMO to focus on FE either. I had a contract with EFES. I had a contract with NAA. When FEX was starting another partner to be had a contract they were going to use. Once I read it I told them I would be joining if they used that contract. They decided against that contract.
Even that wouldn't necessarily make one captive though. I have a contract with KSKJ and every other company I'm contracted with. I'm not captive to any of them either.
I am not calling anyone captive... As far as taking Scott's posts out of context, apparently I am not he only one.. The only one making a big deal out of it is you.It's obviously not a minor issue to you. If you are not calling FEX captive then who are you calling captive?
There is nothing to clarify. Scott made a dumbass comment that you keep taking out of context. But you're not calling them captive.
As for your 5 star, you posted about it here. That's how I knew.
Your memory is better than mine if you remember a post from 9 years ago!
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- 30,581
That's true. I've only used multiple line FMO's and gone direct with a few carriers.
- 30,581
It's hell getting old. My memory ain't what it used to be.Your memory is better than mine if you remember a post from 9 years ago!
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