Does an IMO release affect my insurance license?

No. Your license comes from your state's department of insurance and has nothing to do with your upline. A release only changes which hierarchy a carrier contract sits under.

Do I need a release for every carrier?

Yes, in almost every case. Releases are handled contract by contract, so if you're appointed with eight carriers you're dealing with eight separate transfers.

What if my IMO ignores my release request?

Resend the request in writing and note the original date, then contact each carrier about their transfer policy for agents whose upline hasn't responded.

Will I keep my renewals after I leave?

That depends on your vesting language. Vested renewals continue per the contract terms; non-vested renewals often stop or revert to the upline.

Can my old IMO keep my clients?

No. Clients are not property that transfers with a release, and servicing existing clients is normally allowed even with a non-solicitation clause.

What is Agent First Contracts' release policy?

We don't hold agent contracts. If you ask for a release, we process it — no holds, delays, or conditions.

How to Get Released From Your IMO

An IMO release is paperwork that tells a carrier your contract now sits under a different upline. It is not your license and it is not your clients. Agent First Contracts never withholds a release.

What a release actually is

A release tells the carrier that your current upline is stepping aside so your contract can be rewritten under a new hierarchy. Carriers require it so two uplines never claim the same production. It does not touch your state insurance license.

What to check before you ask

Vesting terms
Chargeback and advance balances
Assignment of commissions
Non-solicitation clauses
Notice requirements
Termination language

Step-by-step process

Read your current agreement.
List every carrier and writing number.
Clear or address any balance.
Submit the request in writing.
Work it carrier by carrier.
Use carrier transfer rules if the IMO stalls.
Keep dated records throughout.

Our release policy

Agent First Contracts does not use holds, threats, or delay tactics. Ask every IMO about their release policy before you sign.

Why we're fine handing you the exit door

We are above all Agent First. That is the filter we run every decision through. If it's better for the agent, we do it. Publishing carrier release forms is better for agents, so they're published.

This isn't something we really have to deal with. We've built an environment where agents get the highest contracts directly from the carrier, incredible training, the best leads, cutting-edge technology, in-home training, and group chats. We're independent agents but we're a team. Agents are free to leave any time — but most remember the search before they found their home here, and they don't want to go back to it.

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