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Life Insurance Contracting · The Insurance Agency Group
Commissions up to 115% on Ethos Contracting.
The fastest way into life insurance contracting.
Contract for Ethos life insurance through Quoteplicity and The Insurance Agency Group. Sell direct-to-consumer with commissions up to 115%, a 75% advance over 9 months, and the full Quoteplicity infrastructure built around your Ethos appointment. Apply below and we will email your contracting paperwork.
Why this opportunity
The cleanest direct-to-consumer life insurance program, with real infrastructure around it.
Up to 115% commissions
Aggressive first-year compensation on Ethos's flagship term products, plus 75% advance over 9 months. Example only, current grid shared on request.
Direct-to-consumer ready
Ethos handles online application, underwriting, and policy issue. No phone calls or paramed coordination required.
Proprietary carrier mix
Exclusive products from Banner Life, Protective, North American, Ameritas, and TruStage. Drop-down underwriting issues a policy at every health profile.
Quoteplicity infrastructure
Branded quoter, CRM, automated follow-up, and lead recapture. Capture every lead, qualify them, then hand off to Ethos to fulfill.
Products and example comp
One platform, every health profile, real commissions.
Ethos's drop-down underwriting issues a policy at every health profile, from a healthy 35-year-old qualifying for $2M of term to a 70-year-old who needs guaranteed-issue final expense. You earn on every case.
| Product | Coverage | Carrier | Example FYC |
|---|---|---|---|
| Ethos Term Life Prime | Up to $2,000,000 | Banner Life, Protective, Ameritas | Up to 115% |
| Ethos Term Life Choice | Up to $2,000,000 | Banner Life, Protective, Ameritas | Up to 115% |
| TruStage Advantage Whole Life | Final expense, simplified issue | TruStage | Up to 125% (ages 60-80) |
| TruStage Term Life | Up to $300,000 | TruStage | 65% |
| TruStage Guaranteed Acceptance Whole Life | Up to $100,000 | TruStage | 40% |
* Compensation rates shown are examples only. Actual rates depend on contract level, production volume, and product mix. Current grid shared during the contracting conversation.
Who this is for
Built for everyone with traffic, a client base, or a phone they want to stop answering.
- New agents who want to start selling without years of paramed coordination
- Experienced producers looking for a clean digital channel
- Agencies adding life insurance without building a back office
- P&C and commercial agencies cross-selling life
- Medicare agencies, RIAs, and banks monetizing existing books
Why Quoteplicity
A bare Ethos landing page leaves money on the table. Quoteplicity fixes that.
When a consumer lands on a vanilla Ethos page, you only get paid on the ones who finish the Ethos application. Everyone else, the hesitators, the wrong-fit health profiles, the budget mismatches, walks away. You never even see them.
Quoteplicity puts a smarter layer in front. We capture every lead, pre-qualify them, and only hand the clean buyers to Ethos. The rest stay in your CRM where you can work them with other carriers or nurture them over time.
- Every quote captures full lead data into your CRM
- Multi-carrier quoter so you can pivot if Ethos is not the fit
- Automated follow-up by email and SMS
- Branded landing pages and quoters in your own colors
- Lead-source attribution so you know what is working
- Marketplace fulfillment for agencies who want to refer instead of write
Apply now
Ready to get your Ethos paperwork?
Answer a few short qualifying questions and we will email your Ethos contracting forms straight to your inbox.
FAQ
Quick answers to common questions.
Do I need prior life insurance experience?+
No. The Ethos platform is designed for direct-to-consumer sales, which means the system does the heavy lifting on underwriting and application. We will get you set up regardless of experience level. New agents are explicitly welcome.
What does 115% first-year commission actually mean?+
It is a percentage of target premium on a first-year policy. So on a $1,200 annual target premium term policy you would earn $1,380 first-year. These rates are examples only, your actual grid depends on contract level and production volume.
How does the 75% advance over 9 months work?+
When a policy is placed and paid, you can elect to take 75% of the projected first-year commission as an advance, paid out over 9 months. The remaining 25% trails as the policy renews. Final terms confirmed at contracting.
What is included with the free or discounted Quoteplicity software?+
Depending on production volume, agents can qualify for discounted or fully comped access to the Quoteplicity platform, which includes branded landing pages, multi-carrier quoting, CRM, lead automation, and marketplace fulfillment. Tiers are confirmed during onboarding.
Can my agency refer leads instead of writing the business directly?+
Yes. We offer a fulfillment partnership for agencies that want to capture life insurance leads from their existing book but do not want to build a life-side operation. We split commission on every issued case.