Financial Independence
Financial Independence Group is an Independent Marketing Organization distributing fixed annuities, indexed annuities, life insurance, and planning solutions to over 3,000 independent financial professionals through 100+ carrier partnerships across the United States.
- Company typePrivate
- Founded1976
- HeadquartersCornelius, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What Financial Independence does
Financial Independence Group (FIG), LLC is an Independent Marketing Organization (IMO) and Field Marketing Organization (FMO) founded in 1976 and headquartered in Cornelius, North Carolina. The company distributes fixed annuities, indexed annuities, life insurance, and adjacent care planning and estate planning solutions to a national network of more than 3,000 independent financial professionals through partnerships with over 100 insurance carriers. FIG's core function is to serve as an intermediary layer that aggregates carrier product access, back office support, marketing resources, and networking opportunities for independent advisors who lack the scale to negotiate carrier relationships individually. The company generates revenue primarily through affiliate and referral commissions on insurance and annuity products placed by its producing advisors with carrier partners.
In 2026 FIG extended its technology footprint by serving as the launch partner and initial live client for Luma Financial Technologies' life insurance platform, which provides a unified workflow from discovery and quoting through policy placement and ongoing management. This was complemented by integration with iPipeline's iGO Evolve and iGO e-App electronic application systems to support electronic processing within FIG's distribution channel. FIG is privately held as an LLC with no disclosed parent company, institutional investors, or public financial filings, and is led by Co-CEO Brian Williams. The firm recently opened a new 27,000-square-foot headquarters featuring training technology and collaboration spaces, and is publicly positioning its 50th anniversary as the start of a renewed chapter focused on technology-enabled advisor support rather than aggressive expansion.
Financial Independence firmographics
Firmographics- Name
- Financial Independence
- Legal name
- Financial Independence Group, LLC
- Website
- https://figmarketing.com
- Company type
- Private
- Founded year
- 1976
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Financial Independence Group is an Independent Marketing Organization distributing fixed annuities, indexed annuities, life insurance, and planning solutions to over 3,000 independent financial professionals through 100+ carrier partnerships across the United States.
- Ownership category
- akta.pro rank
Financial Independence industry classification
Industry- Product category
- Insurance Distribution Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
- akta.pro secondary industries
- Group Annuities (Employer/Institutional) (FSAIACAI), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
Keywords
Where Financial Independence is headquartered
LocationHeadquarters
- HQ city
- Cornelius
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Financial Independence business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance and Annuity Distribution: As an IMO/FMO, FIG generates revenue through commissions from insurance carriers for distributing their products including fixed annuities, indexed annuities, and life insurance to independent financial professionals.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Financial Independence product offering
Product offeringCore offering
Financial Independence Group (FIG) is an Independent Marketing Organization (IMO) and Field Marketing Organization (FMO) that distributes fixed annuities, indexed annuities, life insurance, care planning, and estate planning solutions from more than 100 insurance carriers to over 3,000 independent financial professionals across the United States. The company complements product access with back office support, marketing solutions, advisor education, and networking opportunities for the independent advisor channel.
Product overview
Financial Independence Group (FIG) operates as an independent marketing organization (IMO) and field marketing organization (FMO) that provides a platform of insurance and planning products to independent financial professionals. The core offerings include fixed annuities, indexed annuities, and life insurance, supported by care planning and estate planning solutions. These products are distributed through partnerships with over 100 insurance carriers to a network of over 3,000 independent financial professionals across the US.
Differentiator
Problem solved
Functional benefit
Products and services
- Fixed Annuities Fixed annuity products offered through FIG's 100+ carrier partnerships, made available to independent financial professionals to support retirement planning for their clients.
- Indexed Annuities Indexed annuity products providing market-linked growth potential with downside protection, made available to independent financial professionals through FIG's carrier partnerships to support retirement planning for their clients.
- Life Insurance Life insurance products distributed through the independent financial professional network, supported by FIG's platform partnership with Luma Financial Technologies and integrated with iPipeline electronic application processing.
- Care Planning Solutions Long-term care planning solutions integrated with FIG's insurance products and made available to independent financial professionals for clients needing extended care funding strategies.
- Estate Planning Solutions Estate planning services and solutions for wealth transfer and legacy planning, distributed to independent financial professionals through FIG's planning product platform.
- IMO/FMO Back Office and Marketing Support Services Back office support, marketing solutions, and networking/education opportunities provided by FIG to the 3,000+ independent financial professionals across its distribution network as part of its IMO/FMO service offering.
Companies that use Financial Independence
Customer profileSegments2 records
Ideal customer profiles2 records
Financial Independence technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Financial Independence partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and supporting.
- Luma Financial TechnologiescoreFIG served as the launch partner and initial live client for Luma Financial Technologies' life insurance platform. The platform provides a unified workflow for managing life insurance across the entire product lifecycle, from discovery and quoting through policy placement and ongoing management. This partnership extends FIG's insurance capabilities beyond its established annuity solution.
- iPipelinesupportingiPipeline collaborated with Luma to integrate their iGO Evolve and iGO e-App electronic application systems with Luma's life insurance platform, which FIG uses as the launch partner. This integration enables direct connectivity for electronic application processing.
- 100+ Insurance CarrierscoreFIG has established partnerships with over 100 insurance carriers to provide independent financial professionals access to fixed annuities, indexed annuities, life insurance, and planning solutions. These carrier partnerships form the foundation of FIG's product distribution model.
Scale indicators5 records
Recent moves6 records
Expansion highlights4 records
Financial Independence competitors and assessment
Company assessmentDirect peers
- Integrity Marketing Group: Largest US IMO/FMO distributing life insurance, annuities, and Medicare products through independent agents. Directly comparable in business model, carrier relationships, and advisor network structure to FIG.
- Ash Brokerage (now part of Advisor Group): Long-standing IMO/FMO distributing life insurance and annuity products to independent financial professionals. Closely comparable in product mix, distribution model, and carrier relationships to FIG.
- Crump Life Insurance Services: Wholesale life insurance distributor serving independent agents and financial professionals. Comparable in life insurance distribution focus, carrier partnerships, and advisor support services to FIG.
- LifePoint (Advisor Group): IMO/FMO distributing fixed and indexed annuities and life insurance to independent financial professionals. Comparable product mix and distribution model to FIG, with similar IMO/FMO positioning.
- ANNEXUS Financial Group: IMO specializing in fixed and indexed annuities with proprietary product development and strong carrier relationships. Comparable in annuity distribution focus and advisor network model to FIG.
- Brokerage Unlimited / Brokers International: Insurance marketing organization distributing life, annuity, and senior market products through independent agents. Comparable IMO/FMO model and product mix to FIG, with similar independent distribution approach.
Broad incumbents
- World Financial Group (Transamerica): Large-scale insurance-focused financial services distribution organization affiliated with Transamerica. Operates as a hybrid IMO/MGA model distributing life insurance and retirement products to a large agent base, comparable in distribution scale to FIG but tied to a single carrier.
- National Western Life Insurance Group: Insurance carrier and annuity distributor with a focus on fixed and indexed annuities and life insurance, distributing through independent agents. Comparable product overlap with FIG though operates as a carrier rather than pure IMO.
- Cetera Financial Group: Large independent broker-dealer and wealth management platform that distributes annuities and life insurance alongside advisory services. Comparable in serving independent financial professionals and offering insurance distribution solutions, though operates at significantly larger scale than FIG.
Regional players
- EquiTrust Life Insurance Company: Insurance carrier specializing in fixed and indexed annuities distributed through independent agents and IMOs. Comparable in product category and distribution through independent channels similar to FIG's network.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Financial Independence social profiles
Digital presenceFinancial Independence financial estimates
Financial estimateRevenue estimate
Valuation estimate
Financial Independence leadership team
Management profileNumber of profiles
Profiles1 record
Financial Independence funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Financial Independence M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Financial Independence
What does Financial Independence do?
Financial Independence Group (FIG) is an Independent Marketing Organization (IMO) and Field Marketing Organization (FMO) that distributes fixed annuities, indexed annuities, life insurance, care planning, and estate planning solutions from more than 100 insurance carriers to over 3,000 independent financial professionals across the United States. The company complements product access with back office support, marketing solutions, advisor education, and networking opportunities for the independent advisor channel.
Is Financial Independence a public or private company?
Financial Independence is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Financial Independence founded?
Financial Independence was founded in 1976. It employs 1,001 to 5,000 people.
Where is Financial Independence based?
Financial Independence is headquartered in Cornelius, United States, in the North America region.
How does Financial Independence make money?
One revenue line is on record: insurance and Annuity Distribution.
Who are Financial Independence's main competitors?
Direct peers on record are Integrity Marketing Group, Ash Brokerage (now part of Advisor Group), Crump Life Insurance Services, LifePoint (Advisor Group), ANNEXUS Financial Group and Brokerage Unlimited / Brokers International. Broad incumbents are World Financial Group (Transamerica), National Western Life Insurance Group and Cetera Financial Group. EquiTrust Life Insurance Company is listed as a regional player.
Does Financial Independence have an API?
No public API is recorded for Financial Independence.
What industry is Financial Independence in?
Financial Independence's product category is Insurance Distribution Services. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs), with a secondary code of FSAIACAI, Group Annuities (Employer/Institutional). Its NAICS code is 5242 and its SIC code is 6411.