Providence Marketing GroupIndependent marketing organization
Providence Marketing Group · Nassau Athos
Providence Marketing Group is opening the Nassau Athos fixed indexed annuity to independent producers — on terms that vest on day one and release on request, in writing, without a penalty attached to leaving.
You already have a book, carriers and an upline. This is an invitation to add a carrier, not to change careers. Contracting is with Providence Marketing Group.
Your NPN is public record, so it is all we need to begin. To save you wondering: no Social Security number is asked for on this page.
“Read the release policy first. If you can’t get a clean release on request, nothing else on the page matters. You are one bad quarter away from being trapped.”
Independent-agent due-diligence research, on how to evaluate an IMO. Contract terms, ownership and exit barriers rank first among the criteria experienced producers apply — ahead of commission economics. It is the standard we expect to be measured against, so it is the first thing on this page.
What the contract says
First-year and renewal commissions vest on day one. There is no vesting cliff and no schedule that earns your own renewals back to you over time.
OwnershipRequested in writing and returned in five to ten business days. There is no exit penalty. The terms are the same on the way out as on the way in.
ExitNo portal charge, no CRM subscription, no membership fee. PMG is compensated through carrier-paid overrides rather than by the producers it contracts.
CostEach of these is a contract term, not a positioning statement. Ask for the language before you write a case and we will send it — the same document either way.
contracting@pmgimo.comThe product
You have read enough brochures. Here is what is structurally different about the contract, in four points, with the carrier and the form numbers stated.
Through the Auto-Extend Track, a participation-rate increase applies back across the segment already in progress rather than only to the next one. Patent-pending, and the first time a fixed indexed annuity has done it.
ParticipationNinety percent of the highest daily account value recorded over the segment is locked as a floor, so a decline late in a segment does not take back everything the segment had already earned.
DownsideThe S&P 500 Dynamic Intraday TCA index and the Nasdaq-100 Volatility Control 15% index — an intraday-managed large-cap sleeve and a volatility-controlled growth sleeve.
CreditingThe application is digital end to end. Nothing in the submission path depends on paper, a wet signature, or a courier.
SubmissionAthos is issued by Nassau Life and Annuity Company on contract forms 25FIA-XT / ICC25FIA-XT. It is not available in New York or Maine, because the carrier is not authorised in those two jurisdictions. If you write in either state, Athos will not be part of what you place there.
Current rates, participation levels and full contract provisions live in the carrier’s own product materials. We send those with the contracting packet rather than summarising numbers on a web page that can go stale.
Contracting
Four short steps. The first asks for your NPN and nothing else, because with it we can look up most of what a recruiting form would otherwise make you type.
Step one of four
One field. When this is connected we will check it against NIPR and show you the name on the licence before asking you for anything else.
Six to ten digits. Public record — look it up on the NIPR registry if you do not have it to hand.
Step two of four
Nothing was looked up. The NIPR check is not connected yet, so we are showing you the number you typed and nothing else — no name, no state, no licence count. When this is live, this panel will show the name and birth year on the licence so you can confirm we have the right person.
No record retrieved
When this is connected we will show a first name, a last initial and a birth year — enough for you to recognise yourself and not enough to be worth stealing. Your full date of birth is never sent to this page.
Step three of four
Everything else we already hold. These four decide whether Athos can be added cleanly, and how quickly.
Step four of four
Not connected yet. When it is, this reads from our licensed appointment extract — 8.1 million carrier-appointment records, keyed by NPN. Nothing below has been looked up against your number.
This is a design preview of the application flow. Your answers were not sent, not stored and not received by anyone. When the flow goes live, this screen is where the real confirmation will appear — the steps below are what it will say.
Our appointment extract is licensed data, and it has holes we know about. It records at most ten carriers per producer, and 1,117,041 producers in it carry no appointment record at all. Where we cannot see your appointments we will say so rather than show you a clean slate we have not verified.