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.

ActivityLive · 16:45
  • 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
§ 02Annuity comparison, instrumentedLive rates

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.

FIA · 7yr · age 65+ Live rates
All carriersAtheneNationwideAllianz
Surrender period7 yr10 yr5 yr
Cap rate8.50%7.25%9.10%
Participation110%100%125%
Rider fee0.95%1.25%0.85%

Three things
we refuse to do.

No. 01

No
commissions

Advisors never accept commissions. The one incentive that warps every other IMO, gone.

Carrier paid
No. 02

No
conflicts

The whole commission-free shelf, carrier-agnostic. Suitability drives selection, not comp.

Agnostic
No. 03

No
compromise

Institutional vetting and audit-ready documentation on every case you run.

Defensible
§ 03Fee vs commission analysisThe long-term math

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.

Tools
  • Fee analyzer
    Break-even · sensitivity · exports
    01
  • Suitability rationale
    Auto-generated · editable
    02
  • Case design & client illustration
    Branded · PDF export
    03
  • Case log
    Audit-ready · timestamped
    04
§ 04Book of businessOne view of every policy

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.

47
Active clients
112
Policies in force
$28.4M
Premium managed
6
Need review
  • 01
    Alderman Household
    3 policies · VA + FIA
    CA$1.24MReview
  • 02
    Brenner, J.
    2 policies · MYGA ladder
    TX$682KActive
  • 03
    Chen Family Trust
    4 policies · surrender in 8 mo
    NY$2.10MSurrender soon
  • 04
    Delgado, M.
    Prospect · fact-find complete
    FL$295KProspect
  • 05
    Eriksson, S.
    2 policies · commission-free FIA
    MA$510KActive
  • 06
    Faraday Group
    5 policies · institutional
    IL$4.82MActive

Every exchange, fully modeled.

Net 10-year benefit, surrender cost, rider economics, fee drag, compared on every case and exported to compliance.

Current policy
Jackson Elite VA
$622,400
Surrender
4.2% · 3 yr left
M&E + rider
2.85%
Living benefit
GMIB 5.0%
Index
Proprietary
Proposed policy
Athene Velocity FIA
$622,400 · 89 bps
Surrender
7 yr · vesting
M&E + rider
0.65%
Living benefit
Included
Index
S&P 9.10% cap
Net 10-year value vs. current+$84,210

From first call
to live cases,
in under a week.

0130 min

Intro call

A 30-minute walkthrough of the platform, the fee model, and how we'd support your practice. No deck, no pitch.

022–3 days

Onboard

Workspace provisioned, CRM connected, existing book mapped. You're live with the full tool suite inside a week.

03Always on

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.
The EthicalMO standardStructural, not aspirational
Advisors are paid by their clients, never by carriers. Compensation can't bias a recommendation.
No commissions, ever
Every product clears the same institutional screen before it reaches the shelf.
One screening standard
Suitability rationale and fee disclosures are generated on every case, audit-ready by default.
Documented by design
§ 07Common questions6 answered

Common
questions.

The 30-minute intro call remains the fastest way to get specifics about your practice.

Issue
Vol. 04 · No. 26
Published
Q2 2026 · 8 sections
Next step
30-minute intro call
Access
Free for fiduciaries

Put ethics
at the center
of your practice.

No deck · No pitch · 30 minutes