I had overrides until my downline reached out to the CEO at my last IMO and complained about their comp. The CEO forced their promotion which completely destroyed my business profitability. A “bonus” was supposed to replace that override and it takes a mathematician and a data scientist just do calculate this bonus that equates to less than 1% of the premium we brought this IMO. Nonetheless, it doesnt take a rocket scientist to understand 1% is not logical on millions of dollars in premium. Im glad I set my own promotional guidelines now — the industry needed something like this.

I was giving up on insurance after having my hierarchy stripped from me. I gave it one last chance with MRFG and I’ve never been more hopeful. Ive retained half my agency and im in a major rebuild phase but I swear to god I used to go to sleep with a knot in my stomach not knowing what I would wake up to at the last 3 letter IMO. I know business has ups and downs but at-least I know I can wake up with predictable problems. Not uncertainty knowing if someone robbed my agency or not. God bless you Moe Ray & God bless MRFG!

I've been in the insurance game for 6 years and never had no organization come close to this one. I was going direct to carrier until I realized aggregation leverages multiple fronts that wouldnt be available to me if I was direct. If you issue alot of biz you need to have your own guidelines.

If you’re an agency owner looking to actually own your business without anyone interfering with how you structure and build your organization, MRFG is your last stop. I had an agreement sent from my lawyer after some back and fourth red lining, we finally came to terms that are not one sides but equally fair. I dont believe any other organization in America would have agreed to these terms.

I left an IMO that allowed my downline to catch up to my comp. At one point, the bonus was solid... it made sense since I wasn’t making override anymore. But soon enough as my agency kept growing, some how the bonus kept shrinking Not to mention agents were undercutting me left and right, and they shopped comp levels within the IMO I had zero downline protection. Even as I was pushing close to nine figures in annual premium, I had no real security. As an eight-figure agency owner, I needed a solution. Partnering with MRFG and white-labeling my agency has been the best move I’ve made in my eight years in the business. Today, I have complete control over my hierarchy, my organization, and 100% ownership of my agency’s equity if I ever choose to exit. No interference. No games. Finally some pure peace of mind.

We nearly walked away from the insurance industry after our previous three-letter IMO allowed our upline to take our downline from us—multiple times. Every time we built, we were forced to rebuild. Joining MRFG has been nothing short of a blessing. With MRFG, we’ve gained the ability to set our own promotional guidelines, white-label our organization, and remain the highest point of contact for our downline. No one can undercut us or bypass us to a higher authority. On top of that, MRFG has provided invaluable branding and marketing support. If you’re an agency owner, the truth is simple: you need to operate as your own organization—or you’ll learn the hard way when it’s too late.