Get started quickly as a new agent Start making money fast using the power of Ethos
We have broken down each step into key activities that you should complete over the course of the next 2 weeks
Day-by-day Breakdown Of Action Items
Day 1
Day 2 Explore the Ethos
Day 3
Day 4
Day 5
Day 6
Day 7
Set up appointments with your leads to walk them through an agent-assisted app
Learn the new agent flywheel & the easy Ethos process
agent portal & use the easy Ethos process to complete a policy on
Share “Social Post #1” on your social media channels
Send “Email #1” to your purchased leads
Send SMS #1 to your purchased leads
Buy leads
yourself Day 9
Day 8
Day 10
Day 11
Day 12
Day 13
Day 14
Promote clients who closed an Ethos policy with you in the last few days
Promote clients who closed an Ethos policy with you in the last few days
Send “Email #2” to leads who have not activated a policy yet
Send “SMS #2” to leads who have not activated a policy yet
Share “Social Post #2” on your social media channels
Send “Email #3” to leads who have not activated a policy yet
Send “SMS #3” to leads who have not activated a policy yet
ethos.com
2
The new agent flywheel
Activate policies Convert leads with the easy Ethos process, an effective, 10-minute process thatʼs easy for new agents.
Buy leads Buy an initial set of 100 leads using the Integrity Lead Center to get prospects to sell to.
Earn Compensation For the policies you sell, use that money to reinvest in your business and purchase more leads.
ethos.com
3
Appointment Process - For Producers Youʼll initiate the appointment process via SuranceBay following the submission of your first case with Ethos.
Log in → go to Contracting Requests → Select “Create Request” Follow the request process:
1
Carrier and Request Type
2
States & Products
3
Training
The SuranceBay team is available to support if needed: support@surancebay.com
4
Errors & Omissions
5
Carrier Questions
Questionnaire
6
7
Confirm & Sign
Buy leads from the Integrity Lead Center - we recommend spending $500 or buying 100 leads
Ethos leads policy activations
Background
1
Ethos leads are high intent leads available to you
2
The leads expressed interest in buying life insurance
You will often sell an Ethos policy to your Ethos leads
Ethos leads often drop out because they needed assistance from an agent
3
ethos.com
6
Ethos leads policy activations
Activation Attribution
Agent Assisted App: •Start a new application using the agent- assisted app •Use the same email address used by the Ethos lead
1
Ethos link: •Send your Ethos website link to the client •Use a new email address (the email has to be different from the one used by the Ethos lead when they originally applied on the Ethos website)
2
ethos.com
7
Ethos has modernized the life insurance purchase process with groundbreaking technology
10-minute application
Instant issue policies
No medical exams
Wide range of products
One stop shop sales platform
Seamless application
12:29
12:29
12:29
12:29
12:29
Our product offerings Ethos works with trusted carriers to offer an array of term life products and whole life products that can be used for final expenses. These products offer face amounts up to $2 million and coverage for applicants 20–85, to fit a wide range of life insurance needs. The Ethos Term Life product suite has three products for varying risk profiles.
Get instant life insurance from Sam Jones
Welcome to a whole new world of life sales The widest range of instant-issue products
Index Universal Life
Whole Life insurance
Term Life Insurance
●
Offer coverage to almost everyone
# of products
4
1
2
●
Eliminate case management
Risk class
Best-Moderate risk Best-Moderate risk
Good to poor health
●
Radically reduce your sales cycle
Age
20-69
20-65
20-85
●
Easy pivots replace dead ends
Coverage
$5K-$2M
$25K-$1M
$5K-$100K
●
Free estate planning tools with every policy sale offer agents a natural extension to life insurance and a powerful differentiator.
Term length
10 to 30 yrs
-
10 to 30 yrs
UW decision
90-100% instant decision
90% + instant decision
100% instant decision
Riders & perks
- Living benefits
- 5 riders are available at no additional cost including estate planning - 2 riders are available at an additional cost
- Free estate planning tools at no additional cost*
Note: Ethos IUL and John Hancock Simple Term with Vitality not available to all partners.
*Estate planning tools are available under the Perks benefit issued with eligible policies sold through Ethos. Policies issued in SC, SD, and WA are not eligible to receive the Ethos Estate Planning perk. Estate planning documents may not be available in all states.
- Return of premium
- Free estate planning tools at no additional cost*
ethos.com
9
Ethos estate planning tools Are available at no additional cost to eligible policyholders (a $898 value)*
Clients will get complimentary access to:
Legal Will
Living trust
Power of attorney Hands temporary financial decision-making authority to a trusted person if someone becomes incapacitated
Determines how assets are distributed, who will care for dependents, and who will manage the logistics of those decisions
Distributes money over time and allocates funds to specific needs, like education and housing
Medical consent
Healthcare directive
Specifies what medical actions should be taken in the event someone is no longer able to make decisions due to illness or incapacity
Provides instructions to a caregiver for a dependentʼs medical emergencies
*Estate planning tools are available under the Perks benefit issued with eligible policies sold through Ethos. Policies issued in SC, SD, and WA are not eligible to receive the Ethos Estate Planning perk. Estate planning documents may not be available in all states.
ethos.com
10
Ethos offers no-cost access to estate planning A high-value benefit that other providers charge hundreds of dollars for
Traditional lawyers
$898+ $0
Estate plan price
$2,500+
$499+
$249+
Terms
Get full estate planning bundle at no cost. Unlimited changes available indefinitely
One-time legal fee with limited or no changes included
Year one pricing renewals at $39 per year
Pricing includes one year of changes and
auto renews at a bundled price of $120 per year
ethos.com
11
How our underwriting stacks up
Real-time offers We access hundreds of thousands of data points from authorized sources to provide real-time coverage offers to a wide range of applicants. Coverage with confidence We can offer coverage to over 90% of applicants aged 20-85.* If a client isn't eligible for one product, weʼll automatically reroute them to the next best option. High face amounts & hassle-free sales We offer coverage up to $2M in term and $1M in IUL, with an instant decision rate of about 90%. Manual underwriting outcomes never require medical exams.
*Averaged across ages.
ethos.com
12
Multiple ways to sell
Agent-assisted application Our recommended sales motion for higher close rates and better persistency ● Option 1: Choose product type ● Option 2: Let our proprietary
real-time underwriting engine find the best product for which your clientʼs likely to be approved
ethos.com
13
Client self-serve application Supplement your agent-assisted sales with sales generated by clients on their own ● Market your unique website link and QR code linking to an application they can submit on their own ● Email a quote to complete the application Multiple ways to sell
ethos.com
14
The Ethos agent portal is your one-stop shop to run your business
Instant quoting & agent-assisted apps
Real-time customer view & earnings
Share your free agent website & QR code
Keep track of your teams performance
Access free self-serve training
Browse our library of marketing & sales resources
ethos.com
15
Once you’ve bought your leads, you can reach out via email and start agent-assisted applications
Day-by-day Breakdown Of Action Items
Day 1
Day 2
Day 3
Day 4
Day 5
Day 6
Day 7
Set up appointments with your leads to walk them through an agent-assisted app
Explore the Ethos agent portal & use the easy Ethos process to complete a policy on yourself
Send “Email #1” to your purchased leads
Share “Social Post #1” on your social media channels
Learn the new agent flywheel & the easy Ethos process
Send SMS #1 to your purchased leads
Buy leads
Day 8
Day 9
Day 10
Day 11
Day 12
Day 13
Day 14
Promote clients who closed an Ethos policy with you in the last few days
Promote clients who closed an Ethos policy with you in the last few days
Send “Email #2” to leads who have not activated a policy yet
Send “SMS #2” to leads who have not activated a policy yet
Send “Email #3” to leads who have not activated a policy yet
Send “SMS #3” to leads who have not activated a policy yet
Share “Social Post #2” on your social media channels
ethos.com
16
Email #1
Subject line:
You now know a life insurance agent—me!
Pre Header:
Let me help you take the first step toward protecting your family
Initial introduction to the leads Able to sell the need and the value of life insurance
Body Copy:
[Name],
Iʼm working with Ethos to offer you a quick and easy online application for life insurance. Applying for a policy through Ethos could protect your loved ones for the next 10-30 years in about 10 minutes.
Ethos works with top carriers to make getting life insurance quick and easy. And they approve about 95% of people, even with health conditions.
If you like what you see, you can activate your policy and be covered immediately. The whole process takes about 10 minutes!
I would love to help you get the protection you need. If youʼd like to talk through your familyʼs life insurance needs, please reach out today at [Insert appointment link or phone number]. I look forward to hearing from you.
Warmest regards,
[Your Name] Get a free quote now [Link Ethos Personalized Website/Add QR code]
ethos.com
17
SMS #1
Use SMS as a way to follow-up with your leads This message is a baseline message so feel free to customize and make more personal
SMS #1: Lead follow-up [Name], Iʼm now a licensed life insurance agent and can help you with instant coverage! You can call or text me to go over your options today. Or schedule some time to chat: [Your appointment link here]
ethos.com
18
Social post #1
Social Post #1 | Why having life insurance is a necessity
Since my decision to become a life insurance agent, Iʼve already had a chance to help some friends and family get protected!
Expand your potential reach and Donʼt forget to add your customized link to the post
A few of you reached out and told me that “Iʼm covered by my workplace life insurance policy.” Unfortunately, that coverage probably isnʼt enough—the rule of thumb is to have 10x salary in coverage. Most workplace policies only offer one to two times salary, coming up eight to nine times short.
I can help you supplement that coverage with life insurance from Ethos. It only takes about 10 minutes to get same-day coverage.
I look forward to helping your family get the protection they need! Please reach out today with any questions.
Letʼs get started today [Insert agent website QR code into a socal graphic]
ethos.com
19
Email #2
Subject line:
Make sure that you have right amount of coverage for your familyʼs needs
Pre Header:
Get instant, affordable life insurance up to $2M with Ethos
Chance to share more detail that you can in a social post or SMS message
Body Copy:
Hi [FirstName],
I wanted to follow up again regarding your current life insurance coverage. While every family is unique, a general industry rule of thumb says you should have coverage equal to 10x your combined annual salary. Why so high? Because life is expensive. In fact, 44% of American families would experience financial hardship within six months of the death of the family breadwinner.1
Able to sell the pain of not having life insurance
With life insurance, it doesnʼt have to be that way. Join the ranks of American families who can go to bed at night with peace of mind, knowing theyʼre protected financially if something goes wrong.
To get your family the protection that you need, I recommend using Ethos. Hereʼs a little more about their solution:
• They offer a 100% online application. That means no medical exams, blood draws, or intrusive home visits, just a few health questions. • They approve most people instantly, even with health conditions. If you like what you see, you can activate your policy and be covered immediately. • They only work with trusted, top-rated insurance companies, so you can feel confident youʼve made the right choice.
You can schedule some time to go over your options at [Insert appointment link or phone number] or use this link to get a free quote and apply now: [Insert Your Ethos Personalized Link Here]
Get this important item checked off your list!
[YourName]
Footer
1 2021 Insurance Barometer Study, Life Happens and LIMRA
ethos.com
20
SMS #2
Use SMS as a way to follow-up with your leads This message is a baseline message so feel free to customize and make more personal
SMS #2 | Why having life insurance is a necessity [Friend / Family Name], did you know that 44% of American families would experience financial hardship within six months of the death of the family breadwinner? I donʼt want any of my friends and family to have to deal with that struggle so I now offer same-day life insurance coverage with Ethos. Let me know if youʼd like to schedule some time with me or you can get your free quote here: [Insert Your Ethos Personalized Link Here] STOP to opt out
ethos.com
21
Promoting clients
When other friends and family see that they have engaged with you, they will be more likely to do the same Give evidence that the claims you make in your original comms are true
Social Post Thank you [insert name, insert name, insert name] for letting me help you get a coverage for your family! With 10 minutes, I could help you protect your family for as little as $10 per month.
Youtube
Need coverage? Iʼm here to help! Letʼs get started today: [Insert agent website QR code into the social graphic]
Tiktok
ethos.com
22
Social post #2
Eliminate financial excuses by “addressing myth around cost of coverage” Donʼt forget to add your customized link to the post
Social Post #2 | Addressing common life insurance myth around cost of coverage
Since I became an agent, Iʼve found that getting life insurance is much more affordable than I expected. If the cost is holding you back, youʼre likely overestimating how expensive the right coverage will be. However, you donʼt need to take my word for it! It takes seconds to get a free, no obligation quote from Ethos. If you like what you see, it takes about 10 minutes to answer a few health questions and turn that quote into lasting life insurance protection for your family. Reach out to me directly with any questions!
Need coverage? Iʼm here to help! Letʼs get started today: [Insert agent website QR code into a social graphic]
ethos.com
23
Email #3
Subject line:
Get affordable life insurance thatʼs faster than ever
Pre Header:
An exciting new opportunity to get coverage for less—in about 10 minutes!t
Chance to share more detail that you can in a social post or SMS message Able to explain that policies are not that expensive
Body Copy:
[FirstName],
Did you know that most people overestimate the cost of insurance by three times or more?1 See how much you can save today when you apply for life insurance through Ethos. In 10 minutes or less, we can fill out your application and get approved for instant coverage.
Letʼs chat! Schedule some time with me at [Insert appointment link or phone number].
Hereʼs how to get started:
• Get a quote - Answer a few simple questions about yourself and get a quote in seconds. • Apply in minutes - Ethos uses a fast, straightforward application thatʼs 100% online.
• Get covered - Once your application is submitted, weʼll process the information to provide you with a quick (often instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately.
You could get affordable life insurance protection for your family checked off your list in the next few minutes! If you have any questions or concerns, just let me know,
[YourName] Get a free quote today [Link Ethos Personalized Website/Add QR code]
1 2022 Insurance Barometer Study, LIMRA
Footer
ethos.com
24
SMS #3
Use SMS as a way to follow-up with your leads This message is a baseline message so feel free to customize and make more personal
SMS #3 | Addressing common life insurance myth around cost of coverage
While Iʼve already sent you a few messages, I wanted to follow up one last time about getting you life insurance coverage though Ethos. You'll be surprised at how affordable it is to get your family the protection you need. Donʼt believe me? Letʼs chat: [Insert your appointment link] STOP to opt out
ethos.com
25
Promoting clients
When other friends and family see that they have engaged with you, they will be more likely to do the same Give evidence that the claims you make in your original comms are true
Social Post Thank you [insert name, insert name, insert name] for letting me help you get a coverage for your family! With 10 minutes, I could help you protect your family for as little as $10 per month.
Youtube
Need coverage? Iʼm here to help! Letʼs get started today: [Insert agent website QR code into a social graphic]
Tiktok
ethos.com
26
Next steps:
Log in to your Ethos agent portal:
You’ll be up and running same day!
agents.ethoslife.com/login
Got questions?
Enter phone # or email to authenticate Ethos portal account
Agent support agents@getethos.com (415) 797-0864
Familiarize yourself with resources
Access webinar training ethoslife.events/FFLwebinartraining
Reach out if you have any questions through the agent portal.
Activate a policy and start earning!
ethos.com
27
Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28Made with FlippingBook - professional solution for displaying marketing and sales documents online