Ethos is the most agent-friendly life insurance platform in the market. No medical exams on most products. Instant decisions. 100% digital. Through The Life GA, 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 The Life GA, 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 The Life GA 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 →
How Would You Like to Proceed?
Ready to go, have questions, or running a team? We built a path for each.
Independent Agents
You're licensed, you know what you want, and you don't need a conversation to get started. Fill out our self-service appointment form and we'll have you contracted with Ethos and ready to write within 24 hours — no call required.
Have questions first? Use the Learn More form below →
Agents with Questions
You're interested but want to understand the comp structure, the platform, or what support looks like before committing. Fill out the form below and we'll give you exactly what you need to make the right call.
Prefer a call? Book 30 minutes →
Agency Owners with Downlines
If you manage producers, this is a different — and more valuable — conversation. Let's talk overrides. We'll walk through what your downline looks like and what you can realistically earn on your team's Ethos production.
Or fill out the form below → and we'll reach out within one business day.
Learn More
Not ready to get appointed just yet — totally fine. Tell us where you are, what you're selling today, and what you want to know about Ethos. We'll come back to you with exactly what you need within one business day. No pressure, no pitch.
Schedule a 30-Min Call