A Race to aMillion
You have 100 days to put $1,000,000 in effectuated AP on the board. Recruit as many agents as you want. The catch? Every one of them has to join your team after November 13. Clear $1M, finish with the highest persistent AP, and you pick the car. Here’s how to start preparing.
How you win.
This year's contest rewards the leaders who build. Recruit new agents, help them get licensed and writing, and every dollar of qualifying effectuated AP they produce moves your team closer to the line.
Two ways to win. Leaders race for the car. Producers run the 100 Day Heist on their own production, and the top 10 draft prizes from the Vault.
New agents recruited into your team from this date are eligible.
Qualifying effectuated AP starts counting toward your total.
You get 100 days. Hit a minimum of $1M AP to qualify. The leader with the highest team persistent AP drives off with the car. Winner announced June 10.
Pick your ride
Three cars on the table. The winner drives
one of them home.
Your standings,behind the login
The race starts in
Standings live inside the Eterna Portal, not on this page. Sign in to see your rank, your recruits and your pace to $1M. Until January 1, build a team that's ready at the green light.
The 100 Day Heist
You only get to $1M if your agents write. So producers get their own mission: the 100 Day Heist. Any producer, new or existing, on any team, can opt in and go after the Vault on their own production. The top 10 each pick a prize. Encourage your team to opt in on the Heist page if they want a shot at the top 10.
- They opt inOn the Heist page. New or existing agents, any team.
- They finish top 10Their own persistent AP, $50K minimum. Team production doesn’t count.
- No. 1 picks firstThen No. 2, down to No. 10. Once a prize is picked, it’s gone.
Winners pick after results on June 10.
Official rules
Official rules are coming soon. We'll announce them in the Eterna Portal. Everything on this page is a summary, and the official rules will govern the contest once they're published.
What it takes to hit $1M
Build your plan. The race runs 100 days, January 1 to April 10, so the team you build before January 1 sets your pace.
What this team could pay you in a year
Eterna pays overrides 10% on Gen 1, 5% on Gen 2, then 2.5%, 1.25%, 0.75%, 0.25% and 0.25% through Gen 7. They're on top of what you write yourself and never come out of your agents' pay.
Illustration only, not a promise of income. Results vary. Based on Eterna's November 2026 comp schedules, which can change with written notice.
Questions
Who can join?
Leaders race for the car by building a team of new agents. Producers on any team can opt in to the 100 Day Heist. Opt-in opens soon in the Eterna Portal, and full eligibility details will be in the official rules, coming soon.
How long does the race run?
100 days. Production counts from January 1, 2027, and the deadline is April 10, 2027. You need at least $1,000,000 in effectuated AP as shown in the Eterna Portal to qualify, and the qualifying team with the highest persistent AP wins. The winner is announced June 10, 2027, after policies written during the race have had time to effectuate.
What disqualifies someone?
Falling below 82% 30-day persistency, any suspected sales pooling or manipulation, or not being in good standing with no outstanding debt to Eterna at payout. Pooling or manipulation disqualifies the agent and their entire downline.
How does the prize draft work?
Producers, new or existing and on any team, can opt in to the 100 Day Heist on the Heist page. Producers are ranked on their own personal persistent AP from January 1 to April 10, not their team’s. The top 10 who are in good standing on June 10 and have at least $50,000 in effectuated AP draft one prize each. The top producer picks first from all ten, then No. 2 picks from what's left, and so on. Winners need 82% 30-day persistency and good standing at payout. Prizes are reported at fair market value on the winner's 1099. Leaders race for the car with their team’s new-agent production; the 100 Day Heist is for individual producers. Encourage your team to opt in at goeterna.com/race-vault.
Does my whole downline count, or only my direct recruits?
Eligible production from new agents throughout your team accumulates toward your total.
I recruit someone in December. Do they count?
Yes, if they join after the November 13 eligibility date. Their production starts counting on January 1, 2027.
What's the difference between verified and provisional AP?
Provisional AP posts daily as policies effectuate. It becomes verified once it's reconciled against Eterna's records. The winner is confirmed on verified totals.
Do I still get the 2.5% on referrals?
Yes. If you were already part of the Ambassador program, you're still eligible for the 2.5% on referrals while you race.
Where can I read the official rules?
The official rules are coming soon. We'll announce them in the Eterna Portal.
Build your crew
Everything you need to start recruiting is already in your portal. Here's how to put it to work.
Grab your recruit link
In the Eterna Portal, open your profile and find Refer an Agent. Anyone who applies through your link is tagged as referred by you, so their production lands in your team.
Refer an AgentShare your link with agents you want on the team.goeterna.com/join/youCopyOpenSend them the career guide
A quick swipe through what the job looks like: warm leads, mentors on the floor and pay tracked daily. It's the easiest way to start the conversation.
Text it like you mean it
Hey, I've been building my career at Eterna and I think you'd crush it here. Warm leads, a mentor from day one and no experience needed. Take a look: goeterna.com/careers/swipe
Who to look for
What to tell them
- Warm leads. Eterna provides leads from people already looking into life insurance.
- Calls covered on Spark. Inbound calls are covered while they learn the ropes.
- A mentor from week one. Daily training and someone right next to them.
- No license? No problem. No degree or insurance experience needed. They're guided through licensing step by step.
- Fast start. A 3-day orientation, then live calls in week two.
Once they're in
- Get them through orientation and licensing in week one.
- Sit in on their first live calls in week two.
- Celebrate the first policy loudly. It sets the pace.
- If someone stalls in training, book a joint call that week.
Your ride is waiting
Opt-in opens soon in the Eterna Portal. Until then, start building your team: recruits who join after November 13 count.