Ethos Payments

Setting up payment, our payment process, and frequently asked questions.
Agent on computer
Setting up payment
  • After your first policy activation, look for an email from Routable on behalf of Ethos.
  • Follow the email link to enter your tax information and payment instructions.
  • Contact with any questions.
When to expect payment
  • For agents paid directly by Ethos, commission payments are released the next business day after a client’s initial premium payment has cleared. 

    • For example: If the client’s payment clears on a Friday, your commission payment will be released the following Monday.
    • Weekend policy activations are counted in the week ahead. For example, if the client’s payment clears on a Saturday, your commission payment will be released the following Monday.
  • The day funds become available in your bank account is determined by your bank.

  • Future-dated policies are activated only after the first payment is made, not when policies are submitted.
  • Bonuses and agent referrals are paid monthly, starting in the month following earning action.
  • Possible reasons for payment delays:

    • Payment is released over a U.S. bank holiday.
    • Important information is missing from the agent such as National Producer Number and payment terms.

You must have an active state license at the time of policy submission to receive compensation.

Frequently Asked Questions

Where can I find more information on my current commission and advance pay tiers?
You can find more information regarding your commission in the Earnings tab under “Your Commission Rates.” Note: You will only see information here if Ethos is paying you directly. 

How can I find details about my compensation if Ethos isn't paying me directly?
To learn more about your compensation, please reach out to our team at agents@ethoslife.comor directly contact your upline.

How do I know if Ethos is paying me directly?
If Ethos is paying you directly, you will receive commission payments through Routable.

Where can I track my payments?
View your processed commissions in the Earnings tab under “Statements.” Note: You will only see statements here if Ethos is paying you directly. 

Where can I inquire about missing or inaccurate payments?
Please use our Payments Inquiry Form for questions about missing or inaccurate payments.

How can I update my payment information?
To update your direct deposit information via routable, send a request to and you will receive an updated payment link via email within 2-3 business days.

What are the “types” of commissions under Statements?
In the Earnings tab, these are the different types of commissions that can appear:

  1. Commission
  2. Bonus
  3. Adjustments
  4. Paid Chargeback
  5. Chargeback Payment Received: Payments received via ACH/Cheque, etc.

What’s the difference between each column under Statements?
In the Earnings tab, you’ll see the following columns:

  1. Date: Date of Invoice submission
  2. Invoice ID: Invoice ID of Routable
  3. Amount: The amount of commission earned, chargeback paid or chargeback payment received. This field is not available in case of chargeback for Earnings Statement.
  4. Policy Number: The policy number associated with the entry. This field is not available in case of chargeback for Earnings Statement.
  5. Monthly Premium: The monthly premium for the policy which the client pays. This field is not available in case of chargeback for Earnings Statement.
  6. Commissionable Premium: Commissionable premium is calculated as the customer's monthly premium minus policy admin fee. Policy admin fee is charged by Ethos which includes all administration expenses related to payments, policy processing and platform fee. This field is not available in case of chargeback for Earnings Statement.
  7. Originating Agent: The agent who sold the policy.
  8. Paid to Agent: The agent who is getting paid for a policy.
  9. Type: The type of payment Bonus, Commission, Chargeback, etc.
  10. Status: The status of the payment or chargeback i.e. processing, completed, etc.
  11. Product: The product associated with the payment. This field is not available in case of chargeback for Earnings Statement.

What is the Chargebacks view in Earnings?
The Chargeback report shows a comprehensive list of all your chargebacks, whether outstanding, paid, or rolled-up. Chargebacks can happen due to policy lapses, changes in terms, or other reasons. Any assessed chargebacks that remain unpaid will be reflected in this report. 

What is the roll-up period for chargebacks?
If the chargeback remains unpaid after the designated roll-up period, it will be passed up to the next level of responsibility. You have 60 days before it is subject to the first roll-up. Subsequent roll-ups occur every 30 days after that.

What happens with “Include my downlines”?

  1. By default, the chargebacks view gives you the list of chargebacks associated with the “Responsible Agent.”
  2. You can include all underlying agents in the hierarchy by toggling the include my downlines.

What are the different reasons for chargebacks?

  1. Reparenting: The chargeback was applied due to either the agent or policy being reassigned or attributed differently.
  2. Term Changed or Adjusted: The chargeback was initiated due to a correction or modification in the payment terms.
  3. Policy Closed: The policy is no longer active or has expired.
  4. Policy Rescinded: The policy has been canceled or revoked.

What are the different statuses for chargebacks?

  1. Outstanding: There is an outstanding chargeback amount for this chargeback.
  2. Rolled-up: This chargeback is no longer pending on you and has been rolled up to your upline(s).
  3. Paid: The payment for this chargeback has already been fully or partially settled.
For more information

TruStage® policies

For policies offered by TruStage® Insurance, if a client is inputting their ACH method for the first time, it can take 10–12 days from the activated date for TruStage to process the payment.

Please see our TruStage FAQ for more information, or contact our TruStage Concierge at with specific questions.

Please see our FAQs (go to ‘Compensation policy’) for more common payment questions.