Modern distribution management for FMOs
FMOs have been held back by fragmented systems, manual processes, and rising agent expectations. e123 transforms your distribution operations by streamlining contracting, commissions, and downline management allowing you to scale quickly.
Challenges FMOs face
FMOs face operational, compliance, and growth constraints from relying on disconnected and outdated systems.
Commission accuracy & transparency
Legacy tools and spreadsheets cause delays, carrier reconciliation errors, disputes, and agent frustration. FMOs risk overpayments, lost trust, and preventable churn.
Critical data visibility
Blind spots block growth and make it impossible to see performance across agents, contracts, and products.
Unrealized growth
Complex and slow onboarding of downlines lead to disengaged producers and missed opportunities.
The e123 solution for FMOs
We give distributors the technology and tools to manage and scale downlines quickly and efficiently.
Commission management
Manage FMO commissions accurately and in real-time to empower growth.
NeuroNet™ hierarchy engine
Accurately model even the most complex commission structures and downlines — ensuring transparency, precision, and faster payouts.
Data and insights
Unlock visibility into your book of business across downlines and agents.
Purpose-built for health insurance
Unlike other tools, e123 is the only solution designed to address health insurance complexities.
Why FMOs choose e123
For decades, e123 has been powering sales distribution for health plans, carriers, and field marketing organizations (FMOs). From large FMOs to brokers, we help you power your distribution and accelerate performance.
Accurate, timely commissions
Stop commission delays and pay accurately
Data that fuels growth
Turn commissions into insights for recruiting and retaining top agents
Distribution at scale
Leverage a multidimensional hierarchy to partner with carriers and agents with confidence
Compliance ready
Gain transparency and reduce risk with built-in oversight
Expert insights for health insurance distribution
Grow with confidence and stay ahead with the latest resources and insights for health insurance distribution.
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- e123 Blog
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- Agent/Broker, FMOs, Health Plans/Carriers, Insurance distribution
- e123 Blog
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- FMOs, Health Plans/Carriers
- Brendan's Blog
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- FMOs, Health Plans/Carriers
- e123 Blog
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- FMOs, Health Plans/Carriers
Let’s transform your distribution management
Schedule a demo and see why leading FMOs and brokers have trusted e123 for 25 years.