Stuck in a Contract? You’re Not Stuck in Your Career

One of the most common concerns I hear from agents thinking about joining the Ford Insurance Group is this:

“What if I’m already contracted with a few carriers through another IMO?”

You know the ones — those big-name, three-letter IMOs who make it sound like they own you. They’ve got your contracts locked up tight. You’ve heard whispers (or maybe flat-out warnings) that you can’t move those carriers over. No release. No movement. Stuck.

That kind of messaging scares people. It makes you second-guess making a move to something better. It convinces you to wait it out… to “sit on the bench” while months go by.

If that’s you, here’s what I want to tell you—plain and simple:

You do not have to wait. You do not have to move those carriers. You do not need to be “released.” You can start building with us right now.

You Don’t Need to Move Contracts to Move Forward

Here’s what most agents don’t realize:
You can join the Ford Insurance Group and start producing without moving those locked-up carriers.

We’ve got access to somewhere between 20 and 25 solid final expense carriers. Not all of them are in our day-to-day rotation, but we’ve got them on hand—and we use them when the situation calls for it.

If you’re stuck in a contract with one or two of your go-to carriers, guess what? That’s not a dead end. That’s just a detour.

We’ve helped agents in that exact same situation.

They couldn’t move one or two companies, but we got them writing business through other highly rated carriers—ones they probably didn’t even know existed. Some of these carriers are just as competitive. Some even outperform the ones you’re used to.

We Help You Navigate Terminations and Timing

Now, let’s talk logistics for a second.
If you want to eventually move those original carriers over to us (and many agents do), the first step is easy:

Terminate the contract.
You simply stop producing with that carrier. Let the time pass. In many cases, if you haven’t submitted any business with them for six months or more, you’ll be eligible to re-contract with them—this time, through DIG.

We’ve done this dozens of times. It’s common. It works.

But the important part is this:
You don’t have to wait six months before getting started. You can start building, producing, and earning today—with a lineup of carriers that will give you what you need to make sales and protect clients.

Your Clients Don’t Care About the Carrier—They Care About You

Here’s the part that’s almost always misunderstood:
Your clients aren’t loyal to carriers. They’re loyal to you.

Your relationship, your integrity, your communication, your follow-up—that’s what matters to them. The logo at the top of the policy? Most clients don’t even remember it two weeks later.

So, if you’re stressing about not being able to offer one specific carrier while you’re locked in—let that go.

You’re not shortchanging your clients by offering them other high-quality coverage. You’re doing what you’ve always done: taking care of them. Serving them. Meeting their needs with the best tools available.

And we’ve got plenty of tools.

The Truth About the Three-Letter IMOs

Let’s address the elephant in the room.

A lot of these three-letter IMOs play hardball. They scare agents into thinking they can’t leave. They structure contracts to keep you dependent, confused, or just plain stuck.

They’ll give you a “system,” but then expect you to jump through hoops just to get support. They promise freedom, but box you in.

At DIG, we do things differently.

We believe in agency. Your agency. Your business. Your growth.

We don’t own your career. We partner with you to help you build it. And that means we’ll never tell you to “sit this one out” just because you’re under contract elsewhere.

Instead, we find a path forward. Fast.

No Excuses—Just Solutions and Sales

When you work with us, you don’t get excuses. You get solutions.

You won’t hear,
“Oh well, too bad you’re locked into that carrier.”

You’ll hear,
“Okay, here’s three competitive options we can use right now.”

You won’t be told,
“Maybe wait a few months.”

You’ll be told,
“Let’s get you producing this week.”

Because here’s what we know: The agents who win aren’t the ones with perfect situations. They’re the ones who start where they are and move forward anyway.

Ready to Learn More? Here’s What to Do Next

If you’ve been thinking about joining DIG…
If you’re curious but stuck in a few contracts…
If you’ve been hearing horror stories from other agents…

Don’t let that stop you.

There’s a path forward, and we’ll help you walk it.

➡️ Start here: www.davidduford.com/faq

That page breaks down exactly how it works—whether you’re fully free, half-contracted, or tied up in knots. We’ve worked with agents in every situation. And we’ve helped them start fresh, make money, and build something meaningful.

The opportunity is still right in front of you.

All you have to do is stop letting fear or confusion hold the pen.

Final Word: You’re Not Trapped—You’re Just One Decision Away

Let’s put this as plainly as possible.

You don’t need to sit on the sidelines.
You don’t need to wait for a release.
You don’t need to “hope it works out.”

You need to take action.

If you’re an agent ready to grow, sell, and serve—DIG is ready for you. Whether you’re fully contracted, semi-contracted, or in contract jail, we’ve got the keys to help you move forward.

This business works.
The opportunity is real.
And the time is now.

Let’s build.

Thank You For Reading

Thank you for reading. In addition to growing our team, my company also offers products and services to help independent insurance agents increase their production and profitability.

If You’re Looking to Join an Agency

The DIG Agency specializes in helping agents become top producers selling final expense life insurance 100% from home using our free lead system. We provide high-quality training, expert coaching, and the technology tools you need to succeed — whether you want to work part-time or build a full-time career.

As your skills grow, you’ll have the option to transition into a broker role, where you can buy your own leads, earn higher commissions, and even build your own team — all without any forced recruiting or MLM gimmicks.

If you’re serious about building a real career in final expense sales, visit https://www.davidduford.com to learn more. Watch the Overview Video on the homepage to see exactly how our system works.

If You’re Already an Agent and Want Better Leads and Tools

Whether you’re independent or already working with another agency, we can help you get more high-quality leads and streamline your sales process. Here’s what we offer:

• FE Leads Direct
  Order exclusive final expense leads at wholesale pricing through our done-for-you lead management system. These are the same leads our top producers work every day. Learn more at https://www.GetFELeads.com.

• DIG Dialer
  Designed for insurance agents selling any product, the DIG Dialer helps maximize your calling efforts. It’s the same dialer we use at The DIG Agency and has boosted our presentation rate by up to 300% compared to other dialers. If you want more presentations and more sales, visit https://www.digdialer.com for details.

• Final Expense CRM
  If you’re a final expense agent looking for a field-tested CRM to manage your leads and clients, check out Final Expense CRM. Designed specifically for remote sales, it features Grace AI to help pre-set appointments and automate follow-ups to increase your sales opportunities. Try it for free for 14 days at https://www.finalexpensecrm.com.

Wherever you are in your career — new agent, experienced producer, or independent broker — we’ve got the tools, training, and resources to help you sell more, earn more, and build the business you want.