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The hardest part of this career was never the selling — it was getting a real buyer on the phone. We solved it. No cold calling. No buying leads. No door knocking. They call you, you answer, you get paid daily. Everything Idalia covers on your Intro Call is on this page — read it, then book the call.
issued.
Commission on your Marietta policy is in. Paid daily. Contracting, ops, and retention handled for you.
We rebuilt this career from the carrier down.
Eterna is a direct-to-carrier IMO — no one between us and the carrier, and no one between you and the customer. A tech-enabled operation changing how families buy life coverage: fast, digital, backed by real people on real floors. This is what the career looks like when the broken parts are removed.
- Licensed life insurance agent / advisor
- Yes — it's a 1099, self-employed position. Your business, our resources. You work with us, not for us.
- In office, on a live floor. Idalia confirms your nearest office on your Intro Call
- Sell life & annuities across 30+ carriers, direct to carrier
- No insurance experience required — we train you from zero, on a schedule
- Closers, career-changers, and builders
- Not licensed yet? The course is free with our code
- Veterans tired of buying and dialing leads
The phone rings. You answer.
They search
A family searches for life insurance on their own phone, because they need coverage — and finds us. No list. No dialer. Intent, on their schedule.
They call you
They dial the number themselves. Not an AI dialer. Not a call-center transfer. It rings at your desk on the floor — a real buyer, calling in.
You quote & close
Quote across 30+ carriers, write the policy, get paid on the premium — daily. Contracting and retention are handled behind you.
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persistency
Spark agent · mo
new agents
One path. Three stages.
Everyone here is aiming at the same place. Spark builds your knowledge, skills and confidence. Spark Plus is the transition — you start funding your own growth. Limitless is full independence: your calls, your book, your renewals. Licensed veterans can enter at any stage.
The goal is to get you to Limitless as fast as possible. Pick a stage below to see exactly how it works — each one has its own page.
The start: build knowledge, skills & confidence.
Eterna funds everything so you can focus on one thing — getting great on the phone. Just come in, sell, and learn.
- 50 live inbound calls a week — about 10 a day — free, guaranteed
- Routed straight to your desk inside the free AI CRM
- Top producers earn more calls. Close well and your call flow grows
- Eterna funds your entire ramp — so Eterna holds the book on Spark
- 55% comp — paid daily, 20% held to reserve (released after 6 clean months)
- $1,200+ monthly producer bonus at $30K+ submitted AP
- Monthly production contests on top of comp
- Avg policy pays ~$330 advanced on a $1,223 premium
- Full call flow requires 15 state licenses — Idalia gives you the list; they're purchased and assigned to you
- You have 30 days to get all 15. All 15 run about $1,300 total
- Can't fund them all right away? Start on your home-state calls and earn the rest first — most agents pay for their remaining licenses out of their first commissions
- Not licensed at all yet? See the course below
- In person, in the office. Not remote.
- Calls run 9 AM – 9 PM, Monday–Friday
- You're a contractor — you set your own hours. To receive free calls: five days a week, 36 hours total inside that window (about 7 hours a day, not 12)
- You commit your schedule in advance so Eterna can budget calls to your hours
At pace on 50 calls a week. Paid daily, at $0 call cost. Your only job is to answer the phone well.
The transition: start paying your own way.
You've built the skills. Now you learn the other half of independence — investing in your own call flow — while keeping every piece of the structure that got you here.
- You fund your calls: $625/week — $12.50 a call for the same calls that run $45+ on the open market
- Comp jumps to 75% — and 80% any month over $24K effectuated AP
- You learn to run call cost as a business expense — the exact muscle Limitless requires
- Same team. Same mentor — they run both Spark and Spark Plus. Same desk.
- Same 50 guaranteed inbound calls a week
- Same daily pay, daily training, contests and $1,200+ producer bonus
- Upgrade whenever you're ready — no team move, no restart
Fully independent. You own everything.
The destination. Your calls, your book, your renewals, your hours — with the whole Eterna machine still behind you.
- Inbound: 50 live search calls a week, exclusively yours — $1,000/wk ($20 a call), or $1,750/wk if you hold contracts outside Eterna
- Aged leads: exclusive pricing through the Eterna Marketplace
- Real-time one-time-passcode leads: generated live, exclusive pricing through the Eterna Marketplace
- Marketplace pricing is quoted on your call with Idalia
- Up to 145% based on performance
- Commissions paid daily on a 9-month advance; months 10–12 paid as earned
- $1,200+ monthly producer bonus at $30K+ AP
- Monthly production contests
- Same 15-state footprint as Spark — Idalia gives you the list
- In the office — you set your own floor hours inside the 9–9 call window
- Team leaders: bring your existing hierarchy straight in
- Every policy and every renewal is yours — contractually guaranteed in the Independent Producer Agreement you sign
- Renewals paid out to you year after year
- Standard industry release — no debt, and you can get a release
Never sold insurance? Good. Neither had Lawrence.
Most people walk in intimidated by what they don't know about life insurance. Perfect — that's exactly who this machine was built for. The training starts at zero, runs every single day, and doesn't stop after week one.
New Agent Orientation
Every Tuesday, Wednesday and Thursday. Products, carriers, the CRM, the call flow — everything you need to take your first call. You never wait more than a few days to start.
Daily floor training
Scheduled around the call flow, every day. Live call reviews, objection handling, product deep-dives. Same for Spark and Limitless.
1-on-1 with your mentor
Your mentor — Dashawn, Megan, Josh, Jordan, Chrystyan or Harrisson — sits with you on the floor, in person, and coaches you on real calls — plus direct team trainings with your upline.
30+ carriers. Here are the ones you'll write most.
Whole life, indexed universal life, term, final expense, annuities — quoted across carriers on every call. Write these down; Idalia will reference them.
Not licensed yet? Start anyway.
- The XCEL 215 pre-licensing course is free with the Eterna code — Idalia sends it after your Intro Call
- Study on your own schedule; the state exam fee is yours
- Come to orientation and sit on the floor while you study — you'll learn faster next to people writing policies
- Licensed in your home state first, then the rest of the 15 within 30 days
- Build a team — recruit and develop your own agents and earn agency overrides on everything they produce
- Team dashboards, live leaderboards, and direct trainings with your downline
- Already running a team? Migrate your hierarchy straight into Limitless
- Interested? Say so on your Intro Call. We build leaders on purpose.
Real office. Real mentors.
You'll meet these people before you start. Eric leads the mentor team, and six paid mentors run the floor every day — one of them will be yours.
Leads the mentor team — he sets the standard for how every agent on this floor gets coached, and he trains the people who train you.
The honest answers most IMOs won't put in writing.
What's the catch on the free calls?
Is this remote?
What do chargebacks look like?
What happens if I want to leave?
What counts as a call?
Do I have to start in Spark?
Build great agents.Build great leaders.
You've read what Idalia covers. Now book your Intro Call — 5 minutes with her, and she sets your visit to your nearest office. Same day if you want it, or whenever works.