Your Premier Life Insurance Partner
At Eterna, we are dedicated to securing your future with the best life insurance coverage tailored to your needs. Our commitment to excellence is reflected in our access to over 30+ A-rated carriers and our promise to deliver personalized, ethical service. Here’s how we stand apart:
- Access to Over 30 A-Rated Carriers
- Custom Solutions that fit your needs and budget
- Top-Rated Licensed Agents
- Generation wealth, retirement planning, and tax-free cash accumulation
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Our Carriers
Lifetime Coverage
With Lasting Insurances
Term life Insurance
Provides coverage for a specified term, such as 10, 20, or 30 years. If you pass away within the term, your beneficiaries receive a death benefit
Indexed Universal Life INSURANCE
This policy offers permanent life insurance with flexible premium payments and a death benefit, alongside a tax deferred cash value component linked to a stock market index.
Final Expense Insurance
Essentially a whole life policy, the death benefit is designed to cover funeral costs, medical bills, and other end-of-life expenses. It offers affordable premiums with straightforward benefits to ensure that your final arrangements are handled without financial strain on your loved ones.
Whole Life Insurance
These policies offer permanent coverage with fixed premiums, a guaranteed death benefit, and a cash value component that grows over time. Most plans offer Living benefits such as accelerated death benefits (25% – 80%) for qualifying chronic or terminal illnesses such as Cancer, Heart Attack or Stroke, allowing you to access funds while you are still alive.
Why Choose Eterna?
Access to Over 30 A-Rated Carriers
We partner with more than 30 highly-rated insurance carriers, ensuring you have access to the most reputable and financially stable providers in the industry. This wide selection allows us to offer you a range of high-quality coverage options.
Specialized, Licensed Agents
Our licensed agents are experts in crafting bespoke insurance solutions that fit your unique situation. With a deep understanding of your needs and goals, we tailor coverage specifically for you, providing personalized recommendations and unmatched service.
Commitment to Value and Coverage
We are dedicated to finding you the most comprehensive coverage at the lowest possible cost. Our goal is to deliver exceptional value by negotiating with reputable carriers to ensure you receive the best coverage for your budget.
Integrity and Transparency
We promise to never sell you a policy that isn’t a perfect fit just to make a quick profit. Your needs and financial well-being come first. Our commitment is to provide honest, transparent advice and solutions that genuinely benefit you and your family.
Three Easy Steps to Protect Your Loved Ones
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Frequently Asked Questions
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Worem ipsum dolor sit amet, consectetur adipiscing elit. Etiam eu turpis molestie, dictum est a, mattis tellus. Sed dignissim, metus nec fringilla accumsan, risus sem sollicitudin lacus, ut interdum tellus elit sed risus. Maecenas eget condimentum velit, sit amet feugiat lectus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar. Donec ut rhoncus ex. Suspendisse ac rhoncus nisl, eu tempor urna. Curabitur vel bibendum lorem. Morbi convallis convallis diam sit amet lacinia. Aliquam in elementum tellus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar.
Worem ipsum dolor sit amet, consectetur adipiscing elit. Etiam eu turpis molestie, dictum est a, mattis tellus. Sed dignissim, metus nec fringilla accumsan, risus sem sollicitudin lacus, ut interdum tellus elit sed risus. Maecenas eget condimentum velit, sit amet feugiat lectus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar. Donec ut rhoncus ex. Suspendisse ac rhoncus nisl, eu tempor urna. Curabitur vel bibendum lorem. Morbi convallis convallis diam sit amet lacinia. Aliquam in elementum tellus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar.
Worem ipsum dolor sit amet, consectetur adipiscing elit. Etiam eu turpis molestie, dictum est a, mattis tellus. Sed dignissim, metus nec fringilla accumsan, risus sem sollicitudin lacus, ut interdum tellus elit sed risus. Maecenas eget condimentum velit, sit amet feugiat lectus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar. Donec ut rhoncus ex. Suspendisse ac rhoncus nisl, eu tempor urna. Curabitur vel bibendum lorem. Morbi convallis convallis diam sit amet lacinia. Aliquam in elementum tellus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar.
Worem ipsum dolor sit amet, consectetur adipiscing elit. Etiam eu turpis molestie, dictum est a, mattis tellus. Sed dignissim, metus nec fringilla accumsan, risus sem sollicitudin lacus, ut interdum tellus elit sed risus. Maecenas eget condimentum velit, sit amet feugiat lectus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar. Donec ut rhoncus ex. Suspendisse ac rhoncus nisl, eu tempor urna. Curabitur vel bibendum lorem. Morbi convallis convallis diam sit amet lacinia. Aliquam in elementum tellus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar.
Worem ipsum dolor sit amet, consectetur adipiscing elit. Etiam eu turpis molestie, dictum est a, mattis tellus. Sed dignissim, metus nec fringilla accumsan, risus sem sollicitudin lacus, ut interdum tellus elit sed risus. Maecenas eget condimentum velit, sit amet feugiat lectus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar. Donec ut rhoncus ex. Suspendisse ac rhoncus nisl, eu tempor urna. Curabitur vel bibendum lorem. Morbi convallis convallis diam sit amet lacinia. Aliquam in elementum tellus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos. Praesent auctor purus luctus enim egestas, ac scelerisque ante pulvinar.
Term Life Overview
Provides coverage for a specified term, such as 10, 20, or 30 years. If you pass away within the term, your beneficiaries receive a death benefit.
PROS
- Affordable premiums, straightforward coverage
- Flexible term lengths, and easy application process.
- Provides significant coverage at a lower cost compared to permanent insurance
CONS
- Coverage expires at the end of the term.
- There is no cash value accumulation.
- Premiums may increase upon renewal.
- Pro Tips: We are offering term life with cash back.
BEST FOR
- Individuals and families needing temporary protection, such as covering
- Managing short-term financial responsibilities.
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Comp Guide Table
 |
Americo | Mutual of Omaha | AIG | Transamerica | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HMS125 | Eagle Premier | Term Life Express | Final Expense | UL | Children's Whole Life | IULE | Term Life Answers | Accidental Death | GIWL | SIWL | FE | |
| 145 | 145% | 140% | 145% | 125% | 125% | 100% | 130% | 110% | 130% | 80% | 132% | - |
| 140 | 140% | 135% | 140% | 125% | 125% | 100% | 130% | 110% | 130% | 80% | 132% | 125% |
| 135 | 135% | 130% | 135% | 120% | 120% | 97% | 125% | 105% | 125% | 75% | 127% | 120% |
| 130 | 130% | 125% | 130% | 115% | 115% | 95% | 120% | 100% | 120% | 70% | 122% | 115% |
| 125 | 125% | 120% | 125% | 110% | 110% | 92% | 115% | 95% | 115% | 65% | 117% | 110% |
| 120 | 120% | 115% | 120% | 105% | 105% | 90% | 110% | 90% | 110% | 60% | 112% | 105% |
| 115 | 115% | 110% | 115% | 100% | 100% | 85% | 105% | 85% | 105% | 55% | 107% | 100% |
| 110 | 110% | 105% | 110% | 95% | 95% | 80% | 100% | 80% | 100% | 55% | 102% | 95% |
| 105 | 105% | 100% | 105% | 90% | 90% | 75% | 95% | 75% | 95% | 50% | 97% | 90% |
| 100 | 100% | 95% | 100% | 86% | 85% | 70% | 90% | 70% | 90% | 50% | 92% | 85% |
Agent Programs
Eterna’s Agent & Agency Models are designed to foster growth and success at every stage of an Agent’s Journey. With three distinct models, we ensure a clear, transparent path for professional development, higher commissions, and sustained profitability.
Eterna
Spark
What
Our free leads LOA program with hands-on training, 1:1
mentorship, and built in chargeback reserves
For Who
New or experienced agents in need of financial assistance buying leads and direct guidance/management of KPIs
Recruiting for Program
New or experienced agents in need of financial assistance buying leads and direct guidance/management of KPIs
