Enjoy a seamless, one-stop sales platform from quoting to activation. Choose Smart Solve™, our optimized case design tool for premium and coverage targets, or one of three advanced options. All illustrations include a customized client report that brings illustrations to life.
![Smartsolve quote](https://res.cloudinary.com/getethos/image/upload/c_fill,f_auto,fl_progressive:semi,q_auto:eco,t_unsupported/v1694126706/Image_-_Desktop_-_Focus_on_selling_dwajvu.jpg)
Get paid the day after the policy effective date with real-time earnings tracking in the Ethos agent portal.
![earnings graphic](https://res.cloudinary.com/getethos/image/upload/c_fit,f_auto,fl_progressive:semi,q_auto:eco,t_unsupported/v1694127151/Image_-_Desktop_-_Enjoy_great_comp_paid_daily_yr2ldz.png)
Clients can enjoy additional benefits with the Care4Life Accelerated Death Benefit rider1, Lifetime Income rider, and Ethos Perks estate planning rider2, all included at no charge. Add-on riders provide additional financial support for covered disability and accidental death.
![two people sitting together](https://res.cloudinary.com/getethos/image/upload/c_fit,f_auto,fl_progressive:semi,q_auto:eco,t_unsupported/v1694127151/Image_-_Desktop_-_Help_client_maximize_v6no6g.jpg)
Get more than 3x the coverage of some other instant IUL products. Meet the coverage needs of higher-income earners and those living in more expensive housing markets.
![coverage graphic](https://res.cloudinary.com/getethos/image/upload/c_fit,f_auto,fl_progressive:semi,q_auto:eco,t_unsupported/v1694127152/Image_-_Desktop_-_Reach_higher_gczbly.png)
Compare Ethos IUL to common life insurance alternatives.
![competitor graphic](https://res.cloudinary.com/getethos/image/upload/c_fit,f_auto,fl_progressive:semi,q_auto:eco,t_unsupported/v1694127152/Image_-_Desktop_-_Say_hello_to_a_product_-_table_only_vxym9s.png)