EthicalMO
Commission-free annuity distribution, built for fiduciaries.
An annuity distribution partner for RIAs and fee-only advisors, institutional vetting, live rates, and the tools to run every case.
- 16:45QUOTEGoldman MYGA 5YR · $250K
- 16:44BINDAllianz Income Annuity · $180K
- 16:43REVIEWSurrender exchange · 7-yr eval
- 16:42QUOTEPacific Life FIA · $400K
- 16:41BINDBrighthouse MYGA 3YR · $95K
- 16:40REVIEWAthene Velocity · suitability
- 16:39QUOTESymetra Stride · $310K
Products, side-by-side,
in seconds.
Live rates across every carrier. Rate cap, surrender, rider economics, and export the comparison straight into the case log.
| All carriers | Athene | Nationwide | Allianz |
|---|---|---|---|
| Surrender period | 7 yr | 10 yr | 5 yr |
| Cap rate | 8.50% | 7.25% | 9.10% |
| Participation | 110% | 100% | 125% |
| Rider fee | 0.95% | 1.25% | 0.85% |
Three things
we refuse to do.
No
commissions
Advisors never accept commissions. The one incentive that warps every other IMO, gone.
No
conflicts
The whole commission-free shelf, carrier-agnostic. Suitability drives selection, not comp.
No
compromise
Institutional vetting and audit-ready documentation on every case you run.
The tool suite
The analyzer
built for your cases.
Run any in-force policy against a proposed replacement. Break-even, terminal value, and suitability rationale, generated straight into the case log.
- Fee analyzerBreak-even · sensitivity · exports01
- Suitability rationaleAuto-generated · editable02
- Case design & client illustrationBranded · PDF export03
- Case logAudit-ready · timestamped04
Every client,
every policy,
in-force.
Built to replace the spreadsheet you're already maintaining. Surrender flags, rolloffs, review triggers, all calculated from a single imported book.
- 01CA$1.24MReviewAlderman Household3 policies · VA + FIA
- 02TX$682KActiveBrenner, J.2 policies · MYGA ladder
- 03NY$2.10MSurrender soonChen Family Trust4 policies · surrender in 8 mo
- 04FL$295KProspectDelgado, M.Prospect · fact-find complete
- 05MA$510KActiveEriksson, S.2 policies · commission-free FIA
- 06IL$4.82MActiveFaraday Group5 policies · institutional
Every exchange, fully modeled.
Net 10-year benefit, surrender cost, rider economics, fee drag, compared on every case and exported to compliance.
- Surrender
- 4.2% · 3 yr left
- M&E + rider
- 2.85%
- Living benefit
- GMIB 5.0%
- Index
- Proprietary
- Surrender
- 7 yr · vesting
- M&E + rider
- 0.65%
- Living benefit
- Included
- Index
- S&P 9.10% cap
From first call
to live cases,
in under a week.
Intro call
A 30-minute walkthrough of the platform, the fee model, and how we'd support your practice. No deck, no pitch.
Onboard
Workspace provisioned, CRM connected, existing book mapped. You're live with the full tool suite inside a week.
Run cases
Ongoing case support, suitability review, and compliance documentation. A real team on the other end, not a ticket queue.
Trust, earned by structure.
We're a new platform, so we'll skip the testimonials and show you the model instead. Advisors never take a commission, every carrier is screened the same way, and every case leaves an audit-ready trail. Trust here comes from how the platform is built, not from names we can drop.
Advisors are paid by their clients, never by carriers. Compensation can't bias a recommendation.
Every product clears the same institutional screen before it reaches the shelf.
Suitability rationale and fee disclosures are generated on every case, audit-ready by default.
Common
questions.
The 30-minute intro call remains the fastest way to get specifics about your practice.