Eterna
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Programs

Two ways in.
Pick yours.

Most of our agents jump straight into Limitless: 85% comp, your own call volume and every month of year one paid. Brand new to the industry and want to learn on free calls first? Spark is there as an option.

Most agents start here
Jump right in

Limitless

Your volume, your book, the bigger cut.

85% starting comp, climbing the ladder as you produce.
Buy your own inbound calls at $20 a call: 25 or 50 a week.
9-month advance up front, plus months 10–12 paid in one lump in month 10.
Run your Limitless numbers →
Optional · 90 days

Spark

Learn the business on free calls, then move up to Limitless.

50 free inbound calls a week, and free systems access. No lead cost while you learn.
55% comp on a 9-month advance, paid up front once the policy goes effective.
Months 10–12: not paid on Spark.
What's expected
Available full time, 8:30am–5pm ET.
Able to buy 10 states to start, with all 15 within 30 days.
Show up every day. You get a 3-week ramp-up, then these minimums apply:
$150+
APC: annual premium per call taken
$7,500
AP submitted a week, minimum
15%
close rate or better
$15k+
AP effectuated a month

Fall below and you go on probation: your calls drop to 6 a day until your APC is back above $150.

Can't pay for all your states up front? We offer Klarna, so you can pay for them monthly.
Run the numbers

See what each program
could put in your pocket.

Open the calculators →
How a sale pays

One sale,
side by side.

Commission = annual premium × 90% × your contract level's rate for that carrier product. The other 10% goes to a reserve that covers chargebacks. Example: a $1,200 annual-premium Mutual of Omaha Level policy, which pays 70% at level 85 and 45% at level 55.

$1,200 AP
Limitless
Spark
Contract level
85
55
Advance, paid up front
$567
$364.50
Months 10–12, paid in month 10
$189
$0
Cost of the call
$20
$0
Year one, before the call
$756
$364.50
Straight answers

FAQ

Do I have to start on Spark?

No. Most agents jump straight into Limitless. Spark is an option if you're brand new and want to learn on free calls before buying your own.

Who is Spark for?

New agents who want to get started and learn the ways of the industry without spending thousands of dollars a month on leads. It's 90 days to learn the sales process and how we operate, put money in your pocket, then move up to Limitless.

What if I fall behind on Spark?

After a 3-week ramp-up you need to keep your APC (annual premium per call taken) above $150, submit at least $7,500 AP a week, close 15% or better and effectuate $15k+ a month, and show up daily, 8:30am–5pm ET. Fall below and you go on probation: your calls drop to 6 a day until your APC is back above $150.

What licensing do I need?

Be able to buy 10 states to start, and have all 15 within 30 days. Can't pay for them all up front? We offer Klarna, so you can pay monthly.

What's the 9-month advance?

Once a policy goes effective, 75% of your year-one commission is paid up front, which is nine months' worth. It lands in your account the business day after it's processed.

What's the 10% reserve?

10% of each commission is held back to cover chargebacks, so a cancelled policy doesn't come out of your next paycheck.

Not sure which
one fits?

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