Having been in business for nearly 45 years, M&O is the oldest and longest-standing independent marketing organization (“IMO”) in the fixed annuity industry. Founded in metro-Detroit in 1976 and originally having only marketed long-term care in Michigan and Ohio (hence, “M&O”), we have since expanded to also market fixed annuities and life insurance to thousands of independent financial professional nationwide. Just as our now-national business model has evolved, so has our marketing perspective. With today’s ever-changing pace of innovation in the financial services industry, we have grasped the keys of success developed from yesterday’s knowledge, today’s experience, and tomorrow’s vision to provide financial professionals with arguably the most versatile and cutting-edge marketing value proposition in the industry today.