Your Trusted Life Insurance FMO

Life insurance continues to be one of the most generationally impactful lines in the insurance industry. Whether you’re offering term life, whole life, or universal life insurance, these insurance products provide long-term security for your clients and strong commissions for you to provide an exceptional customer experience.

 

At Senior Market Advisors, we empower independent insurance agents and agencies with the tools, training, and support needed to confidently sell all types of life insurance to create a lasting, sustainable book of business built on deep client relationships.

Why SMA Is the Right FMO for Life Insurance Agents

Choosing the right FMO makes all the difference. At Senior Market Advisors, we go beyond contracts to deliver expert case design, hands-on mentorship, and high-quality back-office support that helps you grow.

What FMOs Offer, And What Makes SMA Different:

  • Case Design & Advanced Solutions: Collaborate with our experienced team on estate planning, income replacement, and final expense strategies.
  • Top-Tier Insurance Carriers: Get access to leading insurance companies with competitive product lines, including annuities, Medicare, and ACA options.
  • Marketing Support & CRM Tools: Streamline your sales with SMA’s quoting systems, CRM platform, and proven marketing strategies.
  • Mentorship & Training: Access to webinars, real-time coaching, and dedicated support so you’re never left figuring it out alone.
  • Scaled Growth:Whether you're a captive agent making the switch to become independent or an established agency or brokerage, SMA gives you the infrastructure to scale your sales and revenue.

A Leading Insurance FMO for Life, Medicare, and Annuities

Founded in 2007, SMA has grown into a national leader in the insurance FMO space by putting agents first. We built our business the same way many of our agents do, through hard work, direct sales, and a relentless focus on doing what’s right for the client. We help you streamline your operations, expand your offerings, and increase your revenue, all while staying compliant and competitive.
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Insurance FMO Services We Offer

Medicare Advantage and Medicare Supplement
Life Insurance and Final Expense
Annuities and ACA Health Insurance

How Insurance Agents Can Start Selling Life Insurance

To sell life insurance, you’ll first need to pass your state life insurance licensing exam. Once you're licensed, your opportunity is wide open to work part-time for extra income or full-time to build a six-figure insurance business. As your insurance FMO, SMA provides hands-on support to help new agents and experienced agents succeed. From product training, advanced case design and quoting tools to CRM access and compliance guidance, we help build a long-term career in the insurance business..

Types of Life Insurance Plans Offered Through Our Insurance FMO

As a top-performing insurance marketing organization (IMO) and FMO, SMA gives you access to diverse, competitive life insurance plans or your agency:

  • Term Life Insurance: Affordable coverage for a fixed period; ideal for families and mortgage protection. We have competitive contracts for both fully underwritten, simplified issue, and instant decision.
  • Whole Life Insurance: Permanent protection with locked-in premiums and guaranteed cash value growth.
  • Universal Life Insurance: Flexible premiums with long-term value and a lasting death benefit.
  • Final Expense Life Insurance: Simplified coverage designed for seniors to cover funeral and end-of-life costs.

Our team will help you match the right policy to your client’s needs, backed by industry-leading support. We have options for all types of life insurance that are fully underwritten, simplified issue, guaranteed issue and instant decision which helps you fully support your customers.

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