# BeaconFMO > Independent annuity FMO/IMO purpose-built for the modern advisor. We give independent agents and advisors carrier access (40+ A-rated carriers), a hands-on back office, modern marketing technology (CRM workflows, content creation, consumer appointment pipeline), and preset virtual appointments — all without proprietary contracts or production minimums. BeaconFMO is an independent annuity field marketing organization (FMO/IMO) for licensed insurance agents and financial advisors who sell fixed annuities, fixed indexed annuities (FIAs), MYGAs, SPIAs, and income riders. Unlike traditional FMOs that hand you a login to a generic CRM and disappear, Beacon partners with you on day one to set up your CRM, automated client follow-up, content creation, and case design support. Every contract is fully independent — no captives, no carrier minimums, no exclusivity requirements. ## Who BeaconFMO is for - **Independent insurance agents** licensed in life and annuities looking to grow production - **Financial advisors (RIAs/IARs)** adding annuities to a fee-based practice - **Captive agents** considering going independent and needing a back office - **New agents** who want hands-on coaching, not a self-serve dashboard - **Experienced producers** who want better technology, marketing, and modern workflows - **Agency owners** building a downline or recruiting agents ## What makes BeaconFMO different - **Consumer appointment pipeline** — Beacon operates My Annuity Doctor (myannuitydoctor.com), a consumer education platform. Consumers who complete a multi-step educational intake voluntarily book a 15-minute call, and that appointment is routed to a contracted Beacon producer. - **Full back-office support** — case design, illustrations, suitability review, e-app submission help, status tracking — all included - **40+ A-rated carriers** — Athene, Allianz, Nationwide, Symetra, F&G, Sammons, Equitrust, North American, and more - **No production minimums** — keep your contracts even if you have a slow quarter - **Vested overrides** — own your book of business - **15-minute average response time** — actual humans, not ticket queues - **Modern marketing technology** — CRM workflows, automated follow-up, content creation, integrated calendar — configured around your practice, not a template - **Free agent portal** — case status, rate comparison tool, income illustrators, marketing materials, all in one place ## Services ### Consumer Pipeline Pre-qualified consumer appointments delivered from our My Annuity Doctor education platform. Consumers complete a multi-step educational intake, voluntarily book a 15-minute call, and that appointment is routed to your calendar — opt-in, geo-matched, never shared. [Learn more](https://www.beaconfmo.com/services/consumer-pipeline) ### Content & Marketing Creation Social media posts, email campaigns, and educational content created with you and written in your voice. We do the heavy lifting; you stay in front of clients without becoming a copywriter. [Learn more](https://www.beaconfmo.com/services/content) ### Preset Virtual Appointments Pre-qualified, pre-scheduled video appointments with retirement-age prospects. We fill your calendar with motivated buyers, you focus on the conversation. [Learn more](https://www.beaconfmo.com/services/appointments) ### Agent Website Design Modern, professional advisor websites built fast — with built-in inquiry capture, calculators, and integrated booking. [Learn more](https://www.beaconfmo.com/services/websites) ### Annuity Products 40+ A-rated carriers, all major annuity product types: Fixed Indexed Annuities, MYGAs, SPIAs, DIAs, Income Riders, Buffered Annuities, QLACs. [See products](https://www.beaconfmo.com/products) ## Site Pages - [Homepage](https://www.beaconfmo.com/) - [About BeaconFMO](https://www.beaconfmo.com/about) - [Annuity Products & Carriers](https://www.beaconfmo.com/products) - [Consumer Pipeline](https://www.beaconfmo.com/services/consumer-pipeline) - [Content & Marketing](https://www.beaconfmo.com/services/content) - [Virtual Appointments](https://www.beaconfmo.com/services/appointments) - [Agent Websites](https://www.beaconfmo.com/services/websites) - [Agent Portal & CRM](https://portal.beaconfmo.com) - [My Annuity Doctor (consumer education platform)](https://myannuitydoctor.com) ## Our position on common questions **What is an FMO/IMO?** An FMO (Field Marketing Organization) or IMO (Independent Marketing Organization) is the wholesale layer between independent insurance agents and the carriers whose products they sell. The FMO holds the master contracts with carriers, gives agents access to those contracts, supports them with case design and back-office work, and is paid via carrier overrides — agents don't pay the FMO directly. **What should an agent look for in an FMO?** Carrier diversity (avoid single-carrier shops), vested overrides (so you own your book), no production minimums (so you don't lose contracts during slow periods), real back-office support (case design, illustrations, suitability), and modern technology (CRM, automated workflows, integrated calendar). Most FMOs deliver on the first one or two. We're built around all five. **How does the Consumer Pipeline actually work?** Beacon operates the consumer-facing brand My Annuity Doctor. Consumers searching for annuity education arrive there, engage with content, and many complete a 60-second multi-step educational intake (annuity audit, guaranteed income check, market risk check). At the end, they're offered a free 15-minute call. If they choose to book, that appointment routes to a Beacon-contracted producer matched on geography and carrier licensing. The consumer initiated the engagement; the producer receives a calendar event with the full intake context. **How is BeaconFMO different from other annuity FMOs?** Most FMOs are sales organizations dressed as service organizations — they want your production, not your growth. We're an independent FMO that treats agents as partners, invests in your tech stack, and connects you with consumers from our partner education platform, [My Annuity Doctor](https://myannuitydoctor.com). The combination of modern technology + consumer education pipeline + traditional FMO services is unique in the industry. **Do I need to give up other contracts to work with BeaconFMO?** No. All contracts are non-exclusive. You can keep your existing carrier appointments and add Beacon's contracts to expand your shelf. **How do I get started?** Reach out via the [contact form](https://www.beaconfmo.com/#contact). We'll set up a 30-minute call to learn your practice and walk through which contracts and tools fit your goals. Onboarding typically takes one week from contracted-with to fully equipped.