Start by choosing the markets you want to serve, completing the required licensing and certifications, and partnering with an FMO that can help you get contracted with the right carriers. You will also need a basic sales process, compliant marketing materials, and a system for tracking leads and clients.

A Field Marketing Organization, or FMO, supports independent insurance agents with carrier contracting, training, compliance guidance, marketing resources, technology, and ongoing business development. The right FMO can help you avoid common mistakes and build your business faster.

Many new agents begin with a focused portfolio instead of trying to sell every product at once. Your ideal starting point will depend on your licenses, market, experience, and target audience. PSM can help you select products that work well together and align with your business goals.

Carrier contracting typically includes completing an online application, submitting licensing information, completing required certifications, and passing a background review. PSM helps agents identify the right carriers and guides them through each step of the contracting process.

Agents who plan to discuss or enroll clients in Medicare Advantage or Part D plans must complete the required annual certifications, including AHIP or an approved alternative and each carrier’s product training. Requirements vary by carrier and must be completed before you can market or sell those plans.

At minimum, you need a CRM or lead-tracking system, a professional email address, a phone system, secure document storage, quoting and enrollment technology, and a reliable follow-up process. Starting with simple systems is better than waiting until everything is perfect.

PSM helps independent agents with carrier contracting, product selection, training, marketing resources, lead-generation strategies, enrollment technology, compliance support, and personalized guidance. You remain independent while gaining access to the tools and experience needed to build a stronger business.