EthicalMO
Fee-based annuity distribution, built for fiduciaries.
An annuity distribution partner for RIAs and fee-only CFPs — institutional vetting, live rates, and the tools to run every case.
- 00:37QUOTEGoldman MYGA 5YR · $250K
- 00:36BINDAllianz Income Annuity · $180K
- 00:35REVIEWSurrender exchange · 7-yr eval
- 00:34QUOTEPacific Life FIA · $400K
- 00:33BINDBrighthouse MYGA 3YR · $95K
- 00:32REVIEWAthene Velocity · suitability
- 00:31QUOTESymetra Stride · $310K
Products, side-by-side,
in seconds.
Live rates across every vetted 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% |
Four things
we refuse to do.
No
commissions
Advisors never accept commissions. The one incentive that warps every other IMO — gone.
No
overrides
No hidden override payments. Our revenue is separate from every recommendation.
No
conflicts
The whole fee-based 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 logAudit-ready · timestamped03
- Client illustrationBranded · PDF export04
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 · fee-based 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.
Trusted by fiduciaries nationwide.
EthicalMO is the only way I can put annuities on my platform without compromising my fiduciary duty. The comparison tool replaced a spreadsheet I'd been maintaining for seven years — and the suitability rationale it generates has made every exchange I've done this year defensible on its face.
"Finally, an IMO that speaks our language. Fee-based, fiduciary, done."
"The exchange analyzer saved a rollover I was about to turn down. Audit-ready in an hour."
"The only IMO I've seen that acts like a software company, not a wirehouse rep."
Common
questions.
The 30-minute intro call remains the fastest way to get specifics about your practice.