100% no . These are credible agency’s that will be hurt badly if overrides go away . I’m not quoting nobody’s that aren’t legitimate agency’s .For me it’s irrelevant as I make a dime off no one at this point .
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What does the next Iteration of the FMO market look like if the new rule sticks?
- Thread starter Sam
- Start date
thats my point you are claiming multiple more then several credible sources
certainly makes me nervous, and I hope you truly speaking truth, and not just doing it
its crazy I have had multiple long conversations with my FMO and integrity FMO after comments you made from credible sources and I am assured there is nothing to it quoting the same pages others do online
and the video you shared less then a week later they said they read the opposite now
so what is everyone just lying upfront and speaking the opposite in secret and you are just sharing it in the light?
Honestly I don't know what to believe
However I will say it is only you who are making me think that it is possible that the FMOs are all lying
but then the question is why are they still handing out money, seemingly more now then before?
The fmo’s know nothing yet . No major company has commented yet . If the overrides are safe as your fmo’s tell you why did Huge Amerilife sue cms ? It’s because the carriers are signaling to them something big is changing . As far as carriers giving out money like candy . That’s total bs . I’m writing the tar out of Aetna and the regional refused to give me a dime . He said there on budget freeze . Humana took the reward program away . June 1st no more call in customer service for agents for little things . For you to think the juiciest cuts of all $500 mil plus overrides not on the table to be slashed regardless of cms rule changes is naive as hell . Anyway I thought you were 90% med sup guy ? I built my book big the last nearly 4 yrs for zero cost . What happens as far as overrides , fmo’s around or marketing money means little to me . I can keep my book pretty level with the 10 plus referrals I get a month . Hustling and branding by business has paid off
OK my fmo has told me 3 months ago the same thing he told me last week, overrides are done, marketing dollars are done , commissions for pdp done, agents For mapd either get full commissions or no commissions as determined by the carriers
Humana and Aetna are going to pulling back huge from the market both were hurt without any of this Cigna too maybe gave too much away I suppose
Alright so FMOs no longer get an override so what do they work for free
everyone go direct to carrier ?
they going to make a big announcement 10/01?
how does any of this make sense
Obama care was so clearly going to cut commissions It was so well known
why wouldnt it be the same
everyone go direct to carrier ?
they going to make a big announcement 10/01?
how does any of this make sense
Obama care was so clearly going to cut commissions It was so well known
why wouldnt it be the same
FMOs should still sell Med Supp, FE, annuities, etc.
it’s not like FMOs are going away.
I was going to say this . Justin Brock changed the name of his group from all Medicare to add life and aca . Fmo’s have been diversifying hard for a yr as all jumping into fe , life and annuities . Pushing med sups , cancer and hospital plans big . I think 2025 will be huge to sell a lot of hospital plans . I got around 100 gtl and medico on the books . I think I can triple that by the end of 2025
And he just sold for 70 million
They will be paid by the carriers to provide training. Contracting, ect it will only be a select few across the country, the day of an fmo having 7 agents are done
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