You’re Never Closed
With InstaBrain, your office is never closed. Our instant decision platform features leading and proprietary term, guaranteed issue, accidental death, and final expense products in a 100% digital end-to-end sales journey.
Sign up is easy. Commissions are paid by the carrier on a daily cycle. Joining is always free.
Get OnboardedFive instant products. One platform. Zero channel conflict.
Every product on the shelf underwrites in real time with no medical exam. And because InstaBrain never sells direct to consumers, your client stays your client.
Term Life with Living Benefits
Real coverage with chronic and terminal illness benefits built in, decided in minutes. The flagship for healthy clients who hate waiting.
Pure Term
The lowest price in the lineup, with a terminal illness benefit built in and the same fast decision.
Guaranteed Issue
An instant yes for the clients other platforms turn away. No health questions to fail.
Final Expense
Simplified whole life protection for the burial and legacy conversation, fully digital.
Accidental Death
Low-premium protection that closes fast and rounds out every client portfolio.
The math that matters to your book
Built by financial professionals who have spent decades in products, technology, and carrier relationships.
- Real-time decisions on every product; a small share of Final Expense cases get a carrier review
- Free to join, with digital, simplified contracting
- Commissions paid by the carrier on a daily cycle, Monday through Friday
- Annualization available
- Decisions in minutes, no medical exams
- No case management required
- Flexible coverage amounts with living benefits available
- If the first product does not fit, the platform pivots the client instead of losing the sale
Writing with Ethos? Read this first.
Ethos also markets to consumers under its own brand. InstaBrain has no house funnel. See the comparison, from the agent’s side of the table.
Agent Testimonials
In their words. Agent stories carry a first name and last initial only, with the agent’s permission. Public reviews are quoted as written.
“I sold my first policy with my license and did it through IB! First one easy and done.”
“Thanks for creating such a simplified process, made it so easy to do.”
“Instabrain has been an absolute game-changer for me! Its user-friendly interface makes navigating through tasks a breeze, even if you’re not tech-savvy.”
“so easy so quick. this is the future of life insurance applications.”
Innovation is more than a tagline
Patent-pending machine learning married to relationship selling.
KickIt collaboration
Patent-pending KickIt technology lets you work an application with your client in real time. Proper coverage, a painless purchase, no phone tag.
API and SDK for partners
Integrate instant-decision life insurance into your existing workflows and platforms via secure API. Scalable from a single producer to enterprise distribution.
Built for agencies and IMOs
Brokerage resources for the largest teams. Custom hierarchies and commission configuration. Cobranded websites to capture the interest your marketing creates.
A platform, not a competitor
InstaBrain makes money when licensed professionals write business on modern technology. There is no second business bidding on your clients.
Up and running in three quick steps
Tell us about you and your organization and get your dedicated sales and recruiting portal in three steps.
Answer a few questions about your practice.
Select your custom URL.
Share your InstaBrain website through marketing, social, or call centers and start writing.
Straight answers
- How fast are decisions?
- Minutes. The engine underwrites in real time while the application is completed. No medical exam, no waiting period for an answer.
- Does InstaBrain compete with me for clients?
- No. We never sell direct to consumers. Every policy sold through the platform is sold by a licensed professional.
- What does it cost to join?
- Nothing. Joining is always free.
- How are commissions paid?
- By the carrier, on a daily cycle, Monday through Friday. Annualization is available.
Ready to write instant business?
A licensed human replies the same business day. Contracting is digital and simplified.