Clarity Insurance Marketing Organization IMO

As a best interest-focused Insurance Marketing Organization (IMO), Clarity Insurance Marketing (Clarity) facilitates advanced product screening, selection, and support for all lines of fixed insurance products, such as fixed and indexed annuities, single premium, and traditional life insurance, and asset-based long-term care products. At Clarity, we are dedicated to implementing best interest practices, which effectively mitigate risk. Clarity Insurance Marketing helps institutions, advisors, and ultimately families nationwide.

Clarity Insurance Marketing has held a proactive stance throughout the onset and evolution of legislation and has remained dedicated to providing and facilitating best interest practices. We build, test, and refine our award-winning processes years ahead of legislation. This results in powerful asset-gathering tools rather than burdensome, compliance-driven processes newly derived to meet regulatory changes.

A defining characteristic of Clarity Insurance Marketing is our client-first mentality. We differentiate ourselves by focusing on what is in the clients’ best interest rather than gross production and sales. We mitigate risk for clients by helping advisors incorporate our best-interest approach in case design, product selection, and implementation of insurance solutions as financial planning tools

The challenge many institutions are facing today against evolving fiduciary legislation is how to develop a thorough and compliant planning process, field test, revise, standardize, roll-out, train, and monitor this process, and then accept the liability of each plan presented by an affiliated advisor to their clients to uphold the best interest standard.

Fiduciary regulations – whether from the SEC, DOL, or state insurance commissioners – are changing rapidly. If your organization is assuming the liability of financial institution status, making you ultimately responsible for overseeing the compliance of your advisors in meeting best interest standards–you understand the significant undertaking and resources this may require.

Because of the proactive role Clarity has taken over the past decade in building and refining a best interest processes that help position insurance products as sophisticated financial planning tools, we have found that other financial institutions are seeing great value in partnering with us.

We feel the best thing we can do for institutions is to emphasize the level of due diligence and training that we provide to help mitigate their risk.

Award-Winning Product Screening & Analysis

Case Design & Illustration

• Holistic custom case design using The Bucket Plan Best Interest Process
• Individual recommendations based on the client’s needs, goals, and concerns
• Assistance with client illustrations
• The Bucket Plan® holistic training and education

Licensing & Contracting

• Variety of carriers available for annuity, life, final expense, medical supplement, and funeral expense trust business
• Designated staff members to assist in the onboarding and contracting process
• License, carrier, and product training checks
• Access to back-office websites to track business and obtain applications

Compliance & Supervision

• Best interest standards & screening process
• Initial product suitability review

Product Training & Support

• C2P Screening Process Product Guide
• Product guidance and illustrations
• Recommended crediting strategy allocations

Join Clarity Insurance Marketing IMO