About EthicalMO
Ethics are our “MO”.
Fee-based compensation is the only way to truly align with fiduciary advisors. So we built an IMO around that principle — from the ground up.
Ever. On anything.
No exceptions, no exceptions.
Top-rated only.
And growing each week.
Our mission
Eliminating conflicts from annuity distribution.
Commission-based distribution is broken.
Traditional annuity distribution rewards advisors for recommending the products that pay the highest commissions — or churning existing policies — rather than what’s objectively best for the client.
Clients pay more than they should. Advisors compromise their fiduciary standard. The industry loses trust.
Fee-based distribution, built for fiduciaries.
We eliminated commissions entirely. Every advisor pays the same transparent platform fee — regardless of volume, product, or carrier.
Advisors recommend what’s genuinely best. Clients get lower costs. Fiduciary integrity stays intact.
- No commission incentives of any kind
- Identical fee across every advisor and product
- Institutional-grade product screening
- Modern platform built for fiduciary workflows
Our values
Principles that guide us.
Not aspirational statements — operational commitments embedded in how we build, hire, and serve.
Client-first
Every decision starts with one question: is this in the best interest of the end client?
Radical transparency
Fees are published. Screening criteria are public. Decisions are visible.
Excellence in service
Highest standard in tech, due diligence, and advisor support. Good enough isn't.
Continuous innovation
The industry hasn't kept pace with modern planning. We're changing that.
The difference
Not another IMO. A different model entirely.
Fiduciary alignment
We only work with fee-based advisors and fee-based products. Structurally aligned with you.
Advisor-centric
Platform, tools, and support designed for practices of every size — solo to enterprise.
Modern technology
Proprietary tools for case design, comparison, book management, and submission.
Rigorous diligence
Every product passes institutional-grade screening before it reaches the platform.
Our approach
How we think about annuities.
Annuities aren’t inherently bad products. But the way they’ve been distributed has created justified skepticism. We’re rebuilding trust through structure, not promises.
Start with fiduciary obligation
Every feature and product starts from the same question: does this help fulfill a fiduciary duty? If not, we don't build it.
Remove compensation as a variable
When advisors earn the same regardless of product, the only variable left is client fit. That's how it should be.
Screen products like an institution
We evaluate fees, carrier strength, surrender schedules, riders, and historical performance before any product reaches the platform.
Reduce friction with technology
Legacy IMO processes are slow and fragmented. Our platform consolidates design, comparison, compliance, and submission.
Join us
Ready to distribute annuities the right way?
Partner with EthicalMO and deliver conflict-free annuity solutions to your clients. No commissions. No compromises.