Ethos Life Insurance Contracting: A Guide to Getting Started

Ethos Life is transforming the way life insurance is sold by simplifying the process for both agents and customers. With Ethos, you gain access to agentless products that are easy to sell, offer competitive commissions, and make the application process seamless for your clients. This page will walk you through why you should contract with Ethos, the benefits, and how to get started.

Why Contract with Ethos?

Ethos is a game-changer for insurance agents looking to enhance their offerings and simplify the sales process. Here’s why contracting with Ethos is worth your time:

100% Commission Rates

Ethos offers an incredible 100% commission on their products—higher than the industry standard of 75%-90%. This means more income for you without additional work.

Agentless Product Options

Ethos allows your clients to complete applications on their own, eliminating the need for agent involvement in every step. This is perfect for:

  • Clients you can’t reach over the phone.
  • Leads who prefer a self-service option.
  • Customers seeking an easy and fast application process.

Simplified Application Process

  • No Medical Exams: All policies are approved without a medical exam.
  • High Approval Rates: 95% of applicants receive an offer.
  • Same-Day Policy Issuance: Many policies can be issued the same day.

Broad Product Portfolio

Ethos offers a variety of life insurance products, including:

  • Term Life Insurance
  • Final Expense (FE) Whole Life
  • Term with Living Benefits

Ideal for Various Scenarios

  • Generate leads from your email list of past and current clients.
  • Market to clients who didn’t complete previous applications.
  • Offer term life insurance to your final expense clients.
  • Provide an easy solution for clients who want “mailbox money.”

How to Use Ethos in Your Business

Ethos integrates seamlessly into your marketing and sales efforts, giving you more ways to grow your business.

Generate Leads Easily

Send out a link to your current and past leads, allowing them to run quotes and apply for policies at their convenience.

Boost Your Digital Presence

If you have a website, you can add Ethos products as part of your offerings to capture more online leads.

Target Diverse Markets

  • Offer simple solutions to tech-savvy clients who prefer self-service options.
  • Provide policies for friends and family members without asking uncomfortable medical questions.
  • Use Ethos’ drip process to offer the best-priced product your client qualifies for.

Challenges to Keep in Mind

While Ethos is a fantastic option for many agents, it’s important to understand the challenges:

  1. Higher Pricing: Ethos policies are not always the cheapest. Clients pay a premium for speed and convenience.
  2. No Appeal Process: Since all policies go through automatic underwriting, decisions cannot be overturned.
  3. State Restrictions: Ethos is not available in New York.

How to Get Started with Ethos Contracting

Step 1: Fill Out the Contracting Form

Start your Ethos contracting process by completing the contracting form. Click the button below to get started:

Start Contracting Now

Step 2: Review the Commission Grid

Understand the competitive commission rates offered by Ethos. Click the button below to view the full commission grid:

View Commission Grid

Step 3: Integrate Ethos into Your Business

Once contracted, we’ll provide you with all the tools and training needed to succeed, including:

  • A dedicated link for your clients to apply for policies.
  • Marketing materials to promote Ethos products.
  • Tips to generate leads and close sales.

Why Choose Ethos Through Quoteplicity?

When you contract with Ethos through Quoteplicity, you gain access to exclusive benefits:

  • Custom Quoting Tools: Integrate Ethos quotes directly into your website using our proprietary software.
  • Superior Support: Get personalized guidance from our team to help you succeed.
  • Flexibility: You don’t need to join any specific agency or upline to use the Ethos platform.

Resources to Help You Succeed

Ethos provides a wealth of resources to help you maximize your sales efforts:

  • Training materials to ensure you’re familiar with their product offerings.
  • Marketing brochures and collateral to share with clients.
  • A drip process that markets all five products to your clients automatically.

FAQs About Ethos Contracting

Do I Need to Join a Specific Agency to Use Ethos?

No. Ethos operates independently, so you can use their platform without being tied to a specific upline.

How Long Does the Contracting Process Take?

The contracting process is quick and straightforward. Once you’ve completed the form, you’ll receive instructions to finalize your setup.

Can I Use Ethos for Past Leads?

Yes! Ethos is a great tool for re-engaging past leads. Simply email them a link to run quotes and apply online.

Start Your Journey with Ethos Today!

Take the first step toward growing your business with Ethos. Whether you’re an experienced agent or just starting, Ethos provides the tools and products you need to succeed in today’s competitive market.

Begin Contracting Now
View Commission Grid

If you have questions or need assistance, contact us anytime. Let’s get started on taking your business to the next level with Ethos Life!

 

Important Information
Quoteplicity will serve as your upline for Ethos. You will receive full support from our partner Broker General Agency to ensure your success. Please note, you do not need to be a Quoteplicity software customer to contract with us. Additionally, you are not required to contract with Quoteplicity for any company in order to use our software.
We adhere to a policy of granting a release whenever requested by an agent, as long as there is no debit balance on your account (e.g., commissions owed back due to a policy cancellation or lapse). Quoteplicity is not an IMO or General Agency. Instead, we leverage our longstanding presence in the industry to access competitive commission levels, which we pass on directly to other agents.