Frequently Asked Questions:

  • Q: Are you an IMO, FMO or NMO?
  • A: Yes. 😊 We are all of the above. FMO stands for Field Marketing Organization, which is an entity responsible for recruiting and supporting agents for an insurance carrier or carriers. IMO stands for Independent Marketing Organization, which is the same thing as an FMO, but is independent and represents multiple insurance carriers. NMO stands for National Marketing Organization, which is an IMO that conducts business nationally.  So all of the above apply to Western Marketing.

  • Q: What type of insurance products do you offer?
  • A: We offer life insurance, health insurance, long-term care insurance and annuities. We offer all types of life insurance and most types of health insurance including Medicare plans, ACA Major Medical Plans (ObamaCare), Short-Term Medical Plans, Group Health Plans, Dental & Vision Insurance, Critical Illness Plans, Disability Income Insurance and much more. We do NOT offer property & casualty insurance such as car insurance or homeowners insurance.

  • Q: What insurance carriers do you represent?
  • A: We work with over 100 different insurance companies, including some of the biggest and most respected names in the industry. CLICK HERE to view a list of some of our carriers.

  • Q: How do your agents get paid?
  • A: Our agents earn a commission when they sell a policy, and they get paid directly from the insurance carrier. Our agents are independent contractors and will receive a 1099 from the insurance carriers they sell for.

  • Q: How does Western Marketing make money?
  • A: When our agents sell a policy, we receive an “override” commission on the sale. We don’t make any money unless you make money, which is why we are committed to your success.

  • Q: Is there a vesting schedule?
  • A: No. Agents and agencies who contract directly to Western Marketing are independent and own their book of business 100% from day one.

  • Q: Do you have free leads to get me started?
  • A: The short answer is no. If you need free leads to get started then we suggest contracting at a lower commission level under one of our downline agencies that provides free leads to their agents. However, if you are new to Western Marketing and you have proof of past production, we may be able to provide marketing dollars to co-op your lead costs, depending on your contract level and production.

  • Q: Why don’t you provide free leads?
  • A: We offer our agents the highest commission levels allowed by our carriers’ production guidelines. This means our agents are responsible for generating or purchasing their own leads. We do, however, offer several no-cost marketing systems, co-op lead programs, and discounts through our lead vendor partners to help you maximize your marketing budget.


  • Q: What insurance technology platforms do you offer?
  • A: We offer agents several industry-leading tech platforms at NO COST including:
    • CSG Actuarial’s Senior Market Tools Suite
    • MedicareCart – Our white-labeled Connecture enrollment platform
    • SuranceBay’s online contracting system
    • Firelight annuity e-Applications
    • Annuity Rate Watch for annuity illustrations and side-by-side comparisons
    • iPipeline Life Insurance Quoting & iGo E-Apps

  • Q: How do I qualify for your agent incentive trip?
  • A: The venue for our next agent incentive trip is the Hard Rock Los Cabos in 2023. To qualify you must write business during the qualification period which is July 1st, 2021 – December 31st, 2022 (18 months). You must earn the required number of points to qualify. CLICK HERE to view the point qualification grid.

  • Q: Where are you located?
  • A: Our main office is located in Missouri Valley, Iowa which is 20 minutes north of Omaha, Nebraska. We are licensed in over 45 states, and we support over 15,000 agents who are located all over the country.

  • Q: How do I become an agent for Western Marketing?
  • A: The first step is obtaining your life and/or health insurance license. CLICK HERE for licensing materials.  If you are already licensed then simply call 800-852-7152 to speak with one of our marketing consultants or fill out our ONLINE CONTRACTING to get started. We look forward to working with you!

Contact info

Tel  800-852-7152 

Fax  888-507-1861


318 W Huron St

Missouri Valley, IA  51555

Business hours

Monday         8:00 - 5:00

Tuesday         7:30 - 5:00

Wednesday   7:30 - 5:00

Thursday       7:30 - 5:00

Friday             7:30 - 3:00


* all times are Central

Follow us on Social Media

AppStore
GooglePlay

The information on this site is for licensed insurance agents and brokers only. If you are not an insurance professional, please do not rely on this information. Instead, refer questions to a licensed insurance professional. This material has been prepared for informational purposes only and should not be relied upon for accounting, legal, tax or investment advice. Some programs are not available in all states.