Why Have an Upline?

Many IMO's offer instant quote help, the IMO administers the lead program, and you (the agent) bears any and all expenses. Why would an agent sign up for an IMO through another agent when they can just go get the same contract. I see less and less need for IMO middlemen...why do they deserve 20% of your income?

A lot of these middlemen set up production requirements to increase your contract percentage when you could just go direct to the IMO and come out better...just seems like a racket to me.

Any thoughts?
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