I am not new to the health insurance business, but am trying to build a business in medicare supplements and MA plans beginning this season. I need advice on whether to affiliate directly with carriers (if I can get a contract) or to use an FMO (or a large GA). The key for me is to own my own book that I can sell in the future. I do not want to be an agent for any organization (including a carrier) in which I don't own my book. Any suggestions?
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