The purpose.

Maintaining first-class relationships with our clients is our top priority.

“At M&O Marketing, we are dedicated to improving the businesses of each of the clients we serve.”

Having been in business for nearly 45 years, M&O is the oldest and longest-standing independent marketing organization (“IMO”) in the fixed annuity industry. Founded in metro-Detroit in 1976 and originally having only marketed long-term care in Michigan and Ohio (hence, “M&O”), we have since expanded to also market fixed annuities and life insurance to thousands of independent financial professionals nationwide.

Practice Development

A strong foundation is essential to anything being built. That holds true for a business just as much as it does for a building. We have the tools to help you stay strong.


The key to a successful seminar is to have a solid process to follow from the inception of the seminar to the close of business with your new client.


In this highly competitive industry, your brand is one of the most effective ways to separate yourself from your competition. Your brand is the face of your business.

Meet our owners.

Dennis began his career with Prudential in 1977, and both his talent and charisma were immediately recognized, having won the company’s Rookie of the Year honor his very first year in the business and then becoming Prudential’s youngest sales manager in the country. With a strong desire for independence, Dennis eventually broke the “golden handcuffs” of the captive insurance world to join M&O Marketing in 1987. With the direction of the original M&O principals and the mentorship of Dan Rourke, co-founder of LifeUSA and President of Allianz Life of North America, Dennis built the fixed annuity division of M&O from virtually nothing to where it is today.

Resources & Information

Check out some of our latest featured placements,
media mentions, and blog posts.


Advisors University Podcast



Looking for advice or want to catch up on the industry?

Benefit from our business development expertise!

Whether you’re looking to establish your brand, stay connected to existing clients, prospect and secure new business, or use media promotion to your advantage, we are here to help. Our services offer you an array of best practices, products, tools, and resources, to exceed your competition.

history of m&O Marketing

Created by potrace 1.16, written by Peter Selinger 2001-2019
It begins.

M&O Marketing is founded by John Hill in Dearborn, Michigan. Soon after, John Otto joins him, marketing Long Term Care, Life Insurance and Medicare Supplements. To this day, M&O Marketing is the oldest and longest standing IMO in the industry!

Dennis Brown

Dennis Brown leaves Prudential Life Insurance to become an Independent Agent and joins M&O Marketing, soon becoming top producer. M&O Marketing incorporates a brokerage business to market annuities through a handful of companies, one of which was Life USA, presently known as Allianz Life of North America.

National Western Life

M&O Marketing is one of the original marketing companies to build National Western Life into an annuity brokerage carrier.

M&O purchased.

Dennis Brown and Tim Otto purchase M&O Marketing from John Hill and John Otto upon their respective retirements.

M&O is growing.

M&O Marketing moves from Dearborn, MI to Southfield, MI and, with its 80,000 contracted agents, grows to become the nations' largest independent brokerage company for Long Term Care.

The Annexus Group

M&O Marketing becomes one of the original founding members of The Annexus Group.

M&O Marketing purchases broker/dealer CoreCap Investments and Registered Investment Advisor/CoreCap Advisors; -David Polus, nationally recognized life insurance and annuity producer, joins M&O Marketing in-house and creates the Masters Approach Program ("MAP").
Market Synergy Group

M&O Marketing becomes one of the founding members of Marketing Synergy Group ("MSG").


M&O Marketing is one of the first in the industry to create an internal PR Department, offering Social Media, TV, Radio, Online, and Book Publishing. To this very day, placements are continually made in prestigious financial publications such as The Wall Street Journal, Time Magazine, Forbes, USA Today and US News and World Report.

Roop Raj
M&O Marketing contracts Roop Raj, an Emmy Award-winning television anchorman, to team up with M&O.
Denise Brown

Dennis and Denise Brown purchase M&O Marketing from Tim Otto, his partner of 20 years, to become sole owners.

IUL Software

Designed for one bold purpose: To unlock the power of IUL so you can transform your business. With Stonewood software, turn-key marketing programs, and coaching, you get access to proven IUL sales stories, turn-key marketing programs, and coaching.