Agent Earnings Disclosure | Life Insurance Quotes Guide

This Earnings Disclaimer (“Disclaimer”) applies to all agents, prospective agents, and individuals viewing content or communications from EternaTrust Insurance Group LLC (“EternaTrust”).

The purpose is to prevent misleading interpretations of agent commission potential and comply with Federal Trade Commission (FTC) guidelines.

1No Guarantee of Income

EternaTrust does not guarantee:

Any level of income
Specific commission amounts
Success in selling insurance
Continuity of sales or renewals
Team-building or downline income

Agent earnings vary widely based on:

EffortSkillExperienceMarket conditionsLead qualityTime investmentSales abilityPersistency

2Agents are Independent Contractors

Agents are 1099 independent contractors, not employees. Therefore:

Earnings are commission-based
No salary is provided
No benefits are provided
No minimum income is guaranteed
Success depends on individual performance

3Past Performance Does Not Predict Future Results

Any examples of agent success or case studies are:

Illustrative only
Not typical
Not promises
Not guarantees
Not projections

Your results may differ significantly.

4Factors That May Affect Agent Earnings

Income potential depends on factors including but not limited to:

Time invested
Ability to generate or manage leads
Understanding of products
Call skills and closing ability
Attendance in training
Work ethic
Persistency and retention
Chargeback management
Team management (if applicable)

Agents are fully responsible for their own sales performance.

5No Implied Income Claims

EternaTrust does not:

Promise specific income
Provide earnings guarantees
Represent average earnings
Offer “get rich” opportunities
Claim that success is easy or typical

All agents should evaluate their own abilities before contracting.

6Downline / Team-Building Disclaimers

Agents who recruit other agents (“downlines”) understand:

Downline performance is not guaranteed
Upline income depends on downline production
Upline is financially responsible for downline chargebacks
No income from team members is guaranteed

Team-building is optional and may result in income loss if downlines perform poorly.

7Expenses May Reduce Earnings

As independent contractors, agents are responsible for:

Licensing feesContinuing educationPhone, equipment, CRM accessLead purchasesMarketingTravel (if any)

Expenses may significantly reduce net income.

8Your Responsibility

Success requires:

Consistent effort
Proper follow-up
Understanding underwriting
Ethical practices
Compliance with laws
Continual self-improvement

EternaTrust provides tools and support, but performance is your responsibility.

9Consult a Professional If Needed

Agents should consult:

Financial advisors

Tax professionals

Legal professionals

for matters related to income, taxes, or self-employment obligations.

10Contact Information

For questions regarding earnings or commissions:

EternaTrust Insurance Group LLC

Agent Relations Department:

Contact Agent Relations Department

Agent Earnings Disclaimer

(FTC Compliant)