Would Like Advice on IMO

Hi All!

Hope everything reading/replying to this is doing well, and thank you in advance for your help!

I recently went independent after 4 years in the business (multi-line) but my independent channel mainly offer P&C with very little to no life channels. I really want to add FE to my arsenal and also fully underwritten life.

I don't need lead sources at this moment for now since I want to use it as a retention tool for my p&c book in my local area.

Is there any good FE IMO for agents in CA that I can also write regular life and don't require lead commitments?

I have searched
Source of insurance-forums.net

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