For licensed producers

Built for producers who've outgrown the IMO model.

Higher payouts. Real infrastructure. No one breathing down your neck.

Independent 1099
Curated carrier shelf
Full agent portal
What you'd actually keep.
Live estimate
Annual premium written $4.0M
Product mix
Typical IMO · producer net
$260,000
Fairmont · producer net
$360,000
+$100,000 / yr more to you
Directional estimate of what the producer keeps after IMO override. Based on peer-reported IMO grids vs. our current producer schedule. Actual compensation is governed by your producer agreement and carrier contracts.
The IMO problem
01 / Comp

You're writing seven figures in premium and your effective payout is somewhere between what the IMO will admit to and what the carrier actually pays them. The gap is real. You just can't see it.

02 / Training

Your "sales academy" is a Dropbox folder with three PDFs from 2019 and a recorded webinar nobody's watched in eighteen months.

03 / Rate grids

Current rates live in an email thread, a PDF that was accurate on Tuesday, and the head of marketing's head. You ask, they send, it's stale by Friday.

04 / Comp changes

Your contract got restructured. You found out in the newsletter. Nobody called.

05 / Management

The person reviewing your pipeline hasn't written a case since the Bush administration. Their feedback is theatre. Your time is real.

Fairmont was built to fix all of that.

The agent platform

One portal. The pipeline, the grid, the training, and the scripts. Built for the way you actually run a practice.

Every Fairmont producer gets the same stack on day one. No modules to unlock, no premium tier. Mock screens shown below — real portal walkthrough happens on the call.

01 · CRM Pipeline

Every case, every stage, in one board.

Drag a client from Discovery to Application, log the call, see the carrier pre-check, and know exactly what’s blocking placement. Kanban you'd actually use, not a Salesforce wrapper.

  • Stage-level conversion built in
  • Carrier pre-check attached to every card
  • Calendar and call logging native
portal.fairmonttrust.com / pipeline
Pipeline
My Pipeline · Q2
28 active  ·  $6.4M in flight
Prospect 8
R. Mendoza
$185,000
Referral
K. & J. Whitfield
$420,000
Seminar
D. Park
$95,000
Web
Discovery 6
L. Hollister
$310,000
Rollover
T. Brennan
$240,000
MYGA
Proposal 5
G. & M. Salazar
$575,000
FIA
P. Okafor
$180,000
Athene
Application 4
F. Delacroix
$350,000
F&G
E. Nakamura
$260,000
Nationwide
Placed 5
C. Alvarez
$485,000
Allianz
R. & S. Keane
$220,000
Athene
02 · Rate Grid

Live carrier rates. Updated the moment they change.

Cap rates, MYGA rates, participation rates, AM Best, surrender schedules. Client-facing numbers you can actually quote on the phone without waiting three days for a callback from marketing.

  • Filter by product type, term, and rating
  • Rate-change alerts on the carriers you write
  • Export a client-ready one-pager in a click
portal.fairmonttrust.com / rates
Rate Grid
Carrier
Product
Term
Cap
MYGA
Part.
Rating
Athene
Agility 10 FIA
10 yr
9.50%
165%
A
Nationwide
New Heights 10
10 yr
8.75%
150%
A+
F&G
Safe Income Plus
7 yr
5.85%
A-
Allianz
222 Index
10 yr
Uncapped
95%
A+
Global Atlantic
ChoiceLock 5
5 yr
5.60%
A
Corebridge
Power 10 Protector
10 yr
9.25%
140%
A
North American
Performance Choice
10 yr
10.00%
155%
A+
03 · Training Academy

The things the IMO never taught you. On demand.

Taxation of annuity income, IRMAA planning, 1035 strategy, widowed-client handoffs, suitability language that actually holds up. Modules produced in-house and by a rotating bench of specialists.

  • Continuing education credits where eligible
  • Fresh modules every month, not every quarter
  • Playbooks attached to every module
portal.fairmonttrust.com / academy
Academy
Taxation
Annuity Income & IRMAA Brackets
Complete · 1.5 CE
Suitability
Writing Suitability That Holds Up
Complete · 1.0 CE
Strategy
1035 Exchange Decision Framework
In progress · 68%
Conversation
The Widowed-Client Handoff
In progress · 32%
Product
FIA Indexing: Caps, Spreads, Participation
Not started · 55 min
Compliance
Replacement Disclosure by State
Not started · 40 min
04 · Product Intelligence

The carrier profile every rep wishes existed.

Side-by-side on surrender schedule, rider cost, market-value adjustment, issue ages, state availability. The detail your compliance officer wants before the app goes in, without a six-email chain.

  • Product one-pagers refreshed weekly
  • Rider comparison across the shelf
  • State availability flagged automatically
portal.fairmonttrust.com / products
Product Intel
Athene
A · AM Best
Agility 10 · FIA
9.50%
Cap (S&P 500)
10yr
Surrender
50-80
Issue ages
45
States approved
Nationwide
A+ · AM Best
New Heights 10 · FIA
8.75%
Cap (S&P 500)
10yr
Surrender
0-85
Issue ages
50
States approved
F&G
A- · AM Best
Safe Income Plus · MYGA
5.85%
MYGA rate
7yr
Surrender
0-90
Issue ages
48
States approved
Allianz
A+ · AM Best
222 · Indexed
95%
Participation
10yr
Surrender
0-80
Issue ages
50
States approved
05 · Call Scripts & Objections

The library of the calls you haven't learned to handle yet.

"What if I need the money early?" "Why not just leave it in the CD?" "My last advisor said annuities are a rip-off." Answers written by producers who close these objections for a living, not by a marketing writer who's never sat across from a prospect.

  • Discovery frameworks by persona
  • Objection handlers with the why behind the words
  • Every script sourced to a real conversation
portal.fairmonttrust.com / scripts
Scripts
Discovery
Opening the first call
Income needs interview
Objections
"I need to keep it liquid"
"Annuities are a rip-off"
"Let me think about it"
Close
Signing the app
"I need to keep it liquid"
The objection
"I can't lock money up for ten years. What if something comes up?"
The reframe
Most FIAs give you 10% penalty-free every year after year one. On $400k, that's $40k a year you can pull without a surrender charge. Tell me the scenario where you need more than that liquid in the next decade, and let's carve that piece out of what we're proposing.
06 · Leaderboard

See how you stack up. Anonymously, by default.

You opt in, you see where you are. Not to shame anyone — to give you a benchmark. What "good" looks like when you've been told for years that whatever you write is fine.

  • Monthly and rolling twelve-month views
  • Placement rate, average case size, product mix
  • Fully opt-in — off by default
portal.fairmonttrust.com / leaderboard
Leaderboard
Top producers · Rolling 12 mo.
Premium placed
01
M. Castellanos
Scottsdale, AZ
$18.4M
02
D. Whitfield
Naples, FL
$14.2M
03
S. Okafor
Plano, TX
$11.8M
04
R. Donnelly
Greenwich, CT
$9.6M
05
J. Vasquez
Denver, CO
$8.1M
06
K. Lindstrom
Minneapolis, MN
$7.3M
Philosophy

Three things we believe, and everything else follows.

I.

Better comp, full stop.

Most IMOs built their margin on top of yours. We looked at that margin, decided we didn't need most of it, and pushed it back to the producer. The people doing the work should keep more of what comes from the work. This isn't a promotion. It's how we're structured.

II.

We leave you alone.

No daily stand-ups. No forced pipeline reviews. No sales manager calling on Thursday to "just check in." You're a professional. We treat you like one. If you want coaching, it's one message away. If you don't, you'll never hear from us except to process paper and deposit money.

III.

Guardrails where they matter.

Compliance, suitability, and product intelligence are baked into the platform so you don't step on a landmine. That's it. Zero interference with how you prospect, close, or run your practice. The guardrails exist to protect your license, not to manage your calendar.

FAQ

Questions every producer asks on the first call.

[To fill in] — specific payout grid by carrier and product.

[To fill in] — contract status, 1099 vs. other, implications.

[To fill in] — policy on existing contracts, carrier overlap, AOR letters.

[To fill in] — current appointed carrier list and what's in the pipeline.

[To fill in] — minimum, grace period, consequences.

[To fill in] — typical onboarding timeline, carrier appointment lead times.

[To fill in] — full portal scope, anything that costs extra, roadmap items.

Onboarding · Q2 cohort

If this sounds like what you've been looking for, let's put it on the calendar.

Live · Q2 cohort Onboards Apr 14

We onboard one small cohort per quarter. Here's what’s left.

Capacity
14 of 18 seats spoken for 4 remaining

The cohort isn’t a marketing trick — it’s how we keep onboarding human. Small groups mean a real portal walkthrough with the Fairmont team, carrier appointments in parallel, and a Slack channel with every producer in your class.

Pick a 30-minute intro call
Mon
14
3 open
Tue
15
4 open
Wed
16
2 open
Thu
17
5 open
Fri
18
1 open
9:00 AM
10:30 AM
11:30 AM
1:00 PM
2:30 PM
4:00 PM
Selected: Tue Apr 15 · pick a time
Book the call
No pitch. No pressure. If Fairmont isn't the right fit for you, we'll tell you on the call — and we'll tell you who is.