The 7 Questions Agents Should Ask Before Signing with Another FMO

When you’re ready to add Medicare to your portfolio, the last thing you want is surprises. Signing with an FMO isn’t just about contracts and logos—it’s about the day-to-day reality of support, growth, and partnership.

Here are the seven questions you should ask before you commit:

1. What support do you provide after onboarding?
   Most FMOs are friendly on day one. But what happens when you hit a roadblock six weeks later? Real support means someone answers the phone when you need help—no waiting around.
2. Can I talk to one of your agents—not just the star or a polished testimonial?
   You want a real conversation with someone who’s in the trenches, not a scripted success story.
3. What’s the override structure? Who gets paid on my work?
   Make sure the math is clear and fair. If you don’t know who’s getting paid beyond you, that’s a red flag.
   

1. Do you help me grow, or just give me a login?
   Access is easy. Growth takes work. Look for FMOs that offer strategy, lead gen help, and hands-on support.
2. What kind of agents don’t do well here?
   If they say “everyone thrives,” be cautious. Good partners know who fits—and who doesn’t.
3. How fast do you respond when I need help?
   Same-day response isn’t a luxury—it’s the minimum.
4. What’s your biggest agent complaint—and how are you fixing it?
   Every company has issues. The difference is owning them and working to fix them.

Asking these questions now will save you frustration later—and help you find the partner who’s serious about your success