--- title: 12 Questions to Ask Before Changing Your FMO description: Download this free checklist to compare FMOs, evaluate agent support, and know what to ask before moving your insurance contracts. image: https://lp.newhorizonsmktg.com/hubfs/NewHorizons_Aug2019/NH-Get%20the%2012-Point-Checklist-for-Changing-Your-FMO_LP920x400.jpg --- [![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg)](https://www.newhorizonsmktg.com/) - [Home Home](https://www.newhorizonsmktg.com/) - Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) - Products Products [Medicare Supplement](https://www.newhorizonsmktg.com/products/medicare-supplements)[Medicare Advantage](https://www.newhorizonsmktg.com/products/medicare-advantage)[Life Insurance](https://www.newhorizonsmktg.com/products/life-insurance)[Final Expense](https://www.newhorizonsmktg.com/products/final-expense-insurance)[Annuities](https://www.newhorizonsmktg.com/products/annuities)[Cancer / Critical Illness Insurance](https://www.newhorizonsmktg.com/products/cancer-insurance)[Dental, Vision, Hearing Insurance](https://www.newhorizonsmktg.com/products/dental-vision-hearing-insurance)[Short-Term Care Insurance](https://www.newhorizonsmktg.com/products/short-term-recovery-care)[Long-Term Care Insurance](https://www.newhorizonsmktg.com/products/long-term-care-insurance)[Hospital Indemnity Insurance](https://www.newhorizonsmktg.com/products/hospital-indemnity-insurance)[Accident Insurance](https://www.newhorizonsmktg.com/products/accident-insurance)[Prescription Drug Plans](https://www.newhorizonsmktg.com/products/prescription-drug-plans)[All Products By Carrier](https://www.newhorizonsmktg.com/carriers) Products Products [Medicare Supplement](https://www.newhorizonsmktg.com/products/medicare-supplements)[Medicare Advantage](https://www.newhorizonsmktg.com/products/medicare-advantage)[Life Insurance](https://www.newhorizonsmktg.com/products/life-insurance)[Final Expense](https://www.newhorizonsmktg.com/products/final-expense-insurance)[Annuities](https://www.newhorizonsmktg.com/products/annuities)[Cancer / Critical Illness Insurance](https://www.newhorizonsmktg.com/products/cancer-insurance)[Dental, Vision, Hearing Insurance](https://www.newhorizonsmktg.com/products/dental-vision-hearing-insurance)[Short-Term Care Insurance](https://www.newhorizonsmktg.com/products/short-term-recovery-care)[Long-Term Care Insurance](https://www.newhorizonsmktg.com/products/long-term-care-insurance)[Hospital Indemnity Insurance](https://www.newhorizonsmktg.com/products/hospital-indemnity-insurance)[Accident Insurance](https://www.newhorizonsmktg.com/products/accident-insurance)[Prescription Drug Plans](https://www.newhorizonsmktg.com/products/prescription-drug-plans)[All Products By Carrier](https://www.newhorizonsmktg.com/carriers) - Training Training [Webinar Calendar](https://www.newhorizonsmktg.com/training/webinars)[Medicare Supplement Training Hub](https://www.newhorizonsmktg.com/training/medicare-supplement)[Medicare Advantage Training Hub](https://www.newhorizonsmktg.com/training/medicare-advantage)[Life Insurance Training Hub](https://www.newhorizonsmktg.com/training/life-insurance)[Annuity Training Hub](https://www.newhorizonsmktg.com/training/annuities)[Short-Term Care Training Hub](https://www.newhorizonsmktg.com/training/short-term-care)[Additional Training & Tips Sheets](https://www.newhorizonsmktg.com/training/additional-training) Training Training [Webinar Calendar](https://www.newhorizonsmktg.com/training/webinars)[Medicare Supplement Training Hub](https://www.newhorizonsmktg.com/training/medicare-supplement)[Medicare Advantage Training Hub](https://www.newhorizonsmktg.com/training/medicare-advantage)[Life Insurance Training Hub](https://www.newhorizonsmktg.com/training/life-insurance)[Annuity Training Hub](https://www.newhorizonsmktg.com/training/annuities)[Short-Term Care Training Hub](https://www.newhorizonsmktg.com/training/short-term-care)[Additional Training & Tips Sheets](https://www.newhorizonsmktg.com/training/additional-training) - Resources Resources [Announcements](https://www.newhorizonsmktg.com/announcements)[Blog](https://blog.newhorizonsmktg.com?hsLang=en-us)[Marketing Materials](https://www.newhorizonsmktg.com/marketing-materials)[Perpetuation Planning](https://www.newhorizonsmktg.com/perpetuation-planning)[Newsletter](https://www.newhorizonsmktg.com/newsletter) Resources Resources [Announcements](https://www.newhorizonsmktg.com/announcements)[Blog](https://blog.newhorizonsmktg.com?hsLang=en-us)[Marketing Materials](https://www.newhorizonsmktg.com/marketing-materials)[Perpetuation Planning](https://www.newhorizonsmktg.com/perpetuation-planning)[Newsletter](https://www.newhorizonsmktg.com/newsletter) - About About [About New Horizons](https://www.newhorizonsmktg.com/about-us)[Meet the Team](https://www.newhorizonsmktg.com/team) About About [About New Horizons](https://www.newhorizonsmktg.com/about-us)[Meet the Team](https://www.newhorizonsmktg.com/team) - [Contact Contact](https://www.newhorizonsmktg.com/contact) [Sign In Sign In](https://www.newhorizonsmktg.com/login) Jason [Agent Dashboard](https://lp.newhorizonsmktg.com/dashboard?hsLang=en-us)[Account Settings](https://lp.newhorizonsmktg.com/account-settings?hsLang=en-us)Sign Out # 12 Questions to Ask Before Changing Your FMO ![Changing FMO Checklist](https://lp.newhorizonsmktg.com/hs-fs/hubfs/2026-img-Changing-FMO-Checklist.webp?width=900&height=507&name=2026-img-Changing-FMO-Checklist.webp) ## Compare your options before you move any contracts Changing FMOs can affect your carrier relationships, commissions, technology, training, and day-to-day support. Before making a move, make sure you understand what another organization can realistically provide. Download this free checklist to evaluate your current FMO, compare other options, and identify the support your business needs most. ### Use the checklist to evaluate: - Carrier and product access - Contracts, commissions, and release policies - Contracting and case support - Quoting, enrollment, and client-management technology - Training and marketing resources - Compliance guidance - Communication and post-sale service - Support for agency growth and succession planning Each section includes questions to ask, potential warning signs, space for notes, and a simple rating system. A final comparison chart helps you evaluate your current FMO alongside two other options. ## Make a more informed decision Complete the form to download **12 Questions to Ask Before Changing Your FMO**. ## Get the Free FMO Checklist Your information will remain private. By submitting this form, you agree to receive communications from New Horizons Insurance Marketing. You may unsubscribe at any time. This website is for agent use only. Not for public use or distribution. ![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg) New Horizons Insurance Marketing 122 W. Prairie Ave. Suite 200 Decatur, IL 62523 Phone: [888-780-7676](tel:+1-888-780-7676) #### Navigation - [Home](https://www.newhorizonsmktg.com/) - [Agents](https://www.newhorizonsmktg.com/agents) - [Products](https://www.newhorizonsmktg.com/product-lines) - [Training](https://www.newhorizonsmktg.com/training) - [Resources](https://www.newhorizonsmktg.com/resources) - [Blog & Updates](https://blog.newhorizonsmktg.com/?hsLang=en-us) - [About](https://www.newhorizonsmktg.com/about-us) - [Contact](https://www.newhorizonsmktg.com/contact) #### Social - - - - [Privacy](https://www.integrity.com/privacy-policy) - [Terms of Service](https://www.newhorizonsmktg.com/terms) - [Do Not Sell My Information](https://submit-irm.trustarc.com/services/validation/d14968e7-edec-4831-b5f2-c494567844f6)