Two programs. One we push.
Limitless is the program we want you in: 80% comp, your own call volume, your own hours, remote or in person. More freedom for you and more money for you. Spark is in person only, for agents who want to start in our Tampa office.
Limitless
80%Remote or in person. More freedom, more money.
- 80% starting comp, climbing the ladder as you produce.
- Buy your own inbound calls at $20 a call: $500 for 25 or $1,000 for 50.
- 9-month advance up front, plus months 10–12 paid in one lump in month 10.
- Work from home or from one of our offices. You pick your volume and your hours.
Spark
55–80%Start in person at our Tampa office on free or discounted calls. Live near another office? We'll refer you to it.
| Tier | Calls | Comp |
|---|---|---|
| Spark | Free, Eterna covers the cost. Up to 90 days. | 55% |
| Spark+ | $625 for 50 calls | 70% |
| Spark X | $1,000 for 50 or $500 for 25 | 80% |
How calls work on Spark and Spark+
Ramp-up
6 calls a day while you learn the flow.
Bump to 10 a day
Hold $150+ APL (annual premium per lead) and a 15%+ close rate.
Fall short, back to 6
Miss pace over 2 weeks and you drop to 6 a day until you're back on it.
90 days max
Then move up to Spark+, Spark X or Limitless.
- In the office full time, 8:30am–5pm ET, every day.
- Able to buy 10 states to start, with all 15 within 30 days. Can't pay for them all up front? We offer Klarna, so you can pay monthly.
The comp ladder
Hit the next level's monthly effectuated annualized premium two months in a row and you move up. Personal production only. Spark X starts at 80, the same as Limitless, instead of the usual 70.
One sale, side by side
Commission = annual premium × 90% × your level's rate for that product. The other 10% goes to a chargeback reserve. Example: a $1,200 Mutual of Omaha Level policy, which pays 65% at level 80, 57% at 70 and 45% at 55.
| $1,200 annual premium | Limitless, Spark X | Spark+ | Spark |
|---|---|---|---|
| Contract level | 80 | 70 | 55 |
| Advance, paid up front | $526.50 | $461.70 | $364.50 |
| Months 10–12, paid in month 10 | $175.50 | $0 | $0 |
| Cost of the call | $20 | $12.50 | $0 |
| Year one, before the call | $702 | $461.70 | $364.50 |
Straight answers
Which program should I pick?
Limitless, if you can. You pick your volume, keep the bigger cut and work remote or in person. Spark is for agents who want to start in person at our Tampa office. If you live near our Orlando, West Palm Beach, Houston or Arizona office, we'll refer you there.
Can I do Spark remote?
No. Spark is in person only, and we don't accept applications for remote Spark agents. If you're remote, Limitless is your program.
What's the difference between Limitless and Spark X?
Same 80% start and same call pricing. Limitless can be remote or in person. Spark X is in person, part of the Spark track, and you move up strictly on Eterna's producer levels.
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.
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