Best IMOs for Final Expense Agents in 2025: What to Look For
September 18, 2025 1:11:11 PM
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If you’ve been in the life insurance business for more than a minute, you know there’s no shortage of IMOs and FMOs promising agents the world. But when you’re an experienced final expense agent in 2025, you’re not just looking for another contract. You want an IMO that helps you scale, provides real support, and respects the hard work you put into this business.
That’s why choosing the best IMO for final expense agents in 2025 isn’t about who pays the highest commission — it’s about who gives you the right mix of tools, leads, and long-term stability to grow your book of business.
What Experienced Agents Look for in a Final Expense IMO
1. High, Transparent Commissions
You’ve put in the time and effort to build your career — you deserve contracts that reflect that. Look for an IMO that offers top-level contracts from day one without endless hoops to jump through. Transparency matters: no hidden deductions, no “fine print” clawbacks.
2. Lead Programs That Actually Work
Leads can make or break your business. The best IMOs for final expense agents in 2025 offer:
Co-op programs to reduce your cost per lead
Multiple lead sources (direct mail, telemarketed, digital, etc.)
Bonuses or subsidies for agents consistently writing business
At Final Expense Brokerage, agents can access lead support programs that give them more opportunities while lowering upfront costs.
3. Training & Ongoing Support
Experienced agents don’t need “Insurance 101.” You need access to advanced sales training, proven scripts, and telesales strategies that reflect today’s market. Plus, you want real people answering the phone when you have a contracting, quoting, or carrier issue.
4. Quoting & Tech Tools
Time is money. If your IMO isn’t giving you fast, accurate quoting across final expense, term, and IUL, you’re already behind. A good IMO should provide you with a free quote engine and CRM support so you can run your business efficiently.
5. Incentives & Rewards That Motivate
The best IMOs don’t just pay commissions — they invest back into their agents. That might look like:
Why Final Expense Brokerage (FEB) Stands Out in 2025
At Final Expense Brokerage, we’ve been helping independent agents grow since 1997. We understand what experienced agents want because we’ve been in your shoes. Here’s what sets us apart:
Nationwide carrier contracts with top commissions
Lead co-op programs that help you generate more appointments without draining your wallet
Unlimited Final Expense, Term, and IUL Quote Engine (free for FEB agents)
Monthly bonuses + incentive trips that reward production
Personalized agent support from a team that actually answers the phone
We’re not just here to hand out contracts — we’re here to help you build a sustainable business.
Final Thoughts
If you’re searching for the best IMO for final expense agents in 2025, don’t settle for big promises without proof. Look for an IMO that delivers high commissions, proven lead programs, real support, and the technology you need to thrive.
👉 At Final Expense Brokerage, we combine all of that with over 25 years of experience helping independent agents succeed.
Ready to see if we’re the right fit? Get contracted with FEB today.