Ethos is the most agent-friendly life insurance platform in the market. No medical exams on most products. Instant decisions. 100% digital. Through Catalyst, you get top comp and real support — so you're not just contracted, you're actually producing.
✦ No medical exam on most policies
✦ Decisions in as little as 5 minutes
✦ 100% digital — close from anywhere
✦ Top-street comp from day one
Who We Serve
Whether you write business yourself or lead a team, we built a path that works for how you actually operate.
Agency Owners
Managing producers who write Ethos but you're not seeing a dollar of their production? Through Catalyst, agency owners access above-street override compensation on every policy their downline writes. It's scalable income that compounds as your team grows.
Independent Agents
Ethos is built so agents can close fast. No stacks of paperwork, no waiting weeks for underwriting. We get you contracted, trained, and in front of clients — with top street-level comp and a support team that picks up the phone.
The Platform
Ethos was engineered to remove every obstacle between an agent and a closed policy. The result: faster closes, higher conversion, happier clients.
Most clients get a decision in minutes with no exam required. Less friction means more closes on the first conversation.
Quote, apply, and bind from any device. No wet signatures. No mailing paperwork. No chasing clients for follow-up docs.
Term life, final expense, guaranteed issue — coverage options for nearly every client profile you'll sit in front of.
Competitive payouts with a transparent structure. You know what you're earning before you write the application.
What We Provide
Most IMOs hand you a contracting link. We hand you a system — campaigns, training, marketing, and a person who actually picks up the phone.
Done-for-you marketing campaigns tailored to your market. We help you build the pipeline, not just the product knowledge.
We make the Ethos appointment process frictionless. Get contracted and writing fast — no bottlenecks, no chasing paperwork.
Product knowledge, platform walkthroughs, sales process — training that turns new Ethos agents into producing ones, fast.
Co-branded assets, social content, and outreach templates built specifically for agents selling Ethos products.
A real person in your corner. Case questions, comp questions, platform questions — answered fast, not in a queue.
Scaling a downline or growing solo — we'll build a plan around your business and your market, not a one-size template.
Compensation
We don't hide the comp in fine print. Here's the straightforward version.
Independent agents writing directly through Catalyst receive top street-level commissions on every Ethos policy — one of the strongest direct comp structures available in the life market. You earn what you produce, from policy one.
Agency owners earn override compensation above street level on every policy their producers write through Ethos. This is passive, scalable income that compounds as your team grows — one of the most competitive override structures in Ethos distribution.
Exact comp details shared on your onboarding call. Schedule yours →
Get Contracted
Agency owner or independent agent — the next step is a 30-minute conversation. We'll cover comp, contracting, and exactly what to expect in your first 30 days writing Ethos. Book a call or fill out the form and we'll follow up within one business day.
Schedule a 30-Min CallTell us about yourself