OUR LINES OF BUSINESS

EVERYTHING YOU NEED TO SUCCEED

The independent life insurance and fixed annuity industry is about relationships. For nearly half a century, M&O has prided itself in securing business relationships with only the best insurance carriers in the independent channel. While any IMO can attempt to go get a carrier contract, M&O is recognized by carriers as an IMO who deserves to be given contracts. As a result of our stellar reputation over the decades, M&O has been privileged to have been given several exclusive, proprietary products and carrier relationships – all of which helps benefit you.

ANNUITIES

Annuities are arguably needed now more than ever in consumers’ retirement planning. M&O prides itself on offering only the most versatile and cutting-edge annuities available in the independent channel today. With nearly fifty different carrier relationships, you can rest easy knowing that you will have flexibility and variety in making sure the annuity product you recommend to your client isn’t a square peg trying to fit into a round hole.

LIFE INSURANCE

Life insurance remains one of the best and most valuable financial tools in the world. Whether it is term, whole life, or index universal life, M&O provides you contact and back-office support to some of the best products in the industry today. We also provide access to certain proprietary whole life products, which have traditionally only been available to captive financial professionals.

LONG-TERM CARE

M&O has more experience in the long-term care business than any other IMO in America. While originally begun being offered in the 1970s, LTC products have evolved. Our team of dedicated LTC specialists is arguably the most knowledgeable in the industry. Work with us to offer your clients the most comprehensive LTC product offering available.

OUR EXCLUSIVE RELATIONSHIPS

CARRIERS

Improve the overall sales experience for you and your clients with the Impact of E-App, powered by FireLight®. With this intuitive software, your processes are simplified through e-signature capture, tracking, and increased in-good-order business. Because the software adjusts instantly to carrier changes, you can rest assured you’re always on top of your game.

PROVIDING YOU WITH THE RESOURCES YOU NEED TO MOVE YOUR BUSINESS