I've done final expense before and I loved it but I have much better success selling term. I sold term for a brokerage for years and even though I was successful, my employer burned me out with constant incentive and schedule changes so I quit. Now I'm a salaried employee selling health and I love it but I've capped out in terms of income and would like to get back into selling term on the side. Is there an IMO that focuses on term insurance with reputable carriers that I could join part time?