Carriers

Supportive Insurance Companies

List of Companies

These Carrier Allow Agents to Move to New IMOs Freely

The following life insurance companies have agreed not to hold agents ransom and allow them to move their business freely.

American General (Corebridge)

Banner

GBU

Gerber

Guardian life

John Hancock

Lincoln

Mass Mutual Life

Mutual of Omaha (certain products)

Nationwide life

Protective

Nationwide annuity (SPIA)

Principal

Prudential Life

Symetra

Transamerica

Call to Action

Work with Supportive Carriers

Choosing the right carrier is crucial not just for your business, but for your ability to operate freely and in the best interests of your clients. The carriers listed on this page have taken a stand for agent freedom by abolishing restrictive agreements that limit your ability to move your business. By working with these companies, you’re supporting a more open and equitable industry.

But our work isn’t done. Many carriers still enforce these restrictive agreements. You have the power to help change that. By contacting the carriers you currently work with and encouraging them to end these practices, you can be part of the solution.

Take Action

Email Your Carrier

We’ve made it easy for you to reach out to your carriers. Below, you’ll find suggested language that you can copy and paste directly into an email. Personalize it as needed to make it your own.

Suggested Email Language

Subject: Request to End Restrictive Agent Agreements

Dear [Carrier Name/Representative],

I hope this message finds you well. As a dedicated agent working closely with your company, I’m writing to express my concern regarding the restrictive agreements that are currently part of the contract process. These agreements, which limit an agent’s ability to move their business, not only hinder our professional autonomy but also restrict our ability to best serve our clients.

I am aware that several leading carriers have already taken steps to eliminate these restrictions, recognizing that empowering agents is key to fostering a healthier, more competitive industry. I strongly urge [Carrier Name] to consider joining this movement by revising your policies to allow agents the freedom to choose where and how they conduct their business without penalty.

As an agent who values our partnership, I believe this change will strengthen our relationship and align with the best practices emerging across the industry. I would appreciate your consideration of this important issue and would be grateful for any updates you can provide on steps [Carrier Name] may take to support agent freedom.

Thank you for your attention to this matter, and I look forward to your response.

Sincerely,

[Your Name]

[Your Contact Information]

Why It Matters

By sending this email, you’re taking a direct step toward changing the industry for the better. Carriers need to hear from agents like you—the professionals who drive their business—about why these policies need to change. The more agents who speak up, the more likely carriers are to take notice and make the necessary adjustments.

Additional Steps

Share Your Experience

After you send the email, consider sharing your experience on social media or with fellow agents. Encourage them to reach out to their carriers as well. Every voice counts!

Follow Up

If you don’t receive a response within a few weeks, follow up with your carrier to keep the conversation going.

Supportive Carriers

Continue to support and prioritize working with carriers that have already made the change. Their commitment to agent freedom deserves recognition and loyalty.

Join the Agent Revolution