An IMO should do more than process business.
The right IMO should make your business better. BIG combines carrier access with product expertise, case design, operational support, marketing resources, and a relationship-driven approach built around independent financial professionals.
We know the business because we've done the business.
Bristlecone Insurance Group was founded and is led by a producer with more than 20 years of experience selling life insurance, annuities, and long-term care. That experience also includes working within multiple IMOs in wholesaling, sales leadership, and new-business operations, as well as earlier experience working for a national life insurance carrier. BIG understands the business from the producer's side, the IMO's side, and the carrier's side — and that shapes how we evaluate products, work through cases, and support the producers and agencies we partner with.
People who know the case
You get access to people who understand the case, not just a service queue. Questions get answered by someone who can actually speak to the product and the client situation.
We look across the shelf
Product selection starts with the client's objective, not with whichever carrier is easiest to place a case with.
A second set of eyes on the case
Support that works through an opportunity with you — not just a form that processes an application once you've already decided.
The relationship stays yours
BIG supports the advisor. We don't try to become the advisor, and we don't take servicing rights to your clients.
Deep roots. Long-term relationships.
Bristlecone pines are known for thriving in some of the harshest environments on earth, and some have survived for thousands of years, on deep roots rather than rapid growth. That's the standard BIG holds its relationships to. Read more about the story behind the name on the About page.