How Payment Plans Work
How does debt payment priority work when I earn compensation?
When you earn compensation, it's applied in this order:
- Current month's installment
- Any outstanding debt outside the payment plan
- Future installment advance
- Remaining balance paid out to you
What is the two-bucket debt system in the payment plan?
Your debt is split into two separate ledgers:
- Payment plan balance - the fixed amount on your structured repayment schedule. This does not change.
- Debt incurred after plan start - any new debt you incur after your plan started. This is handled separately on the standard debt timeline.
Both are always visible in your portal so you can see exactly where you stand.
Can I add debt incurred after my plan started to my existing payment plan?
No. Your plan covers a fixed amount of debt set at the time it was created. Any debt you incur after your plan starts is kept outside the plan and ages on the standard timeline. These two amounts are shown separately in your portal.
Can I have more than one debt payment plan at a time?
No. You can only have one active plan at a time. You need to complete your current plan before starting another.
Payments
How do I make a payment toward my debt payment plan?
Log in to your agent portal and go to your earnings tab. You'll see two payment options:
- "Pay Installment" - applies your payment toward your plan balance
- "Pay Now" - applies your payment toward outstanding debt outside your plan
Use the one that matches where you want to direct your payment.
What is the minimum monthly installment for a debt payment plan?
The minimum installment is $100 per month. That $100 can be satisfied by a combination of your compensation (automatically applied) and manual payments from the portal.
What is the minimum manual payment amount through the agent portal?
The minimum per manual transaction is $50. The one exception: if your remaining balance is less than $50, you can pay that smaller amount in full. For example, if your plan installment is $100 and your earnings cover $70 of it, you can manually pay the remaining $30 even though it's below $50.
Where can I view my debt payment plan transaction history?
The earnings tab includes a transaction history showing every manual payment you've made, including the date, amount, status (processing, succeeded, or failed), and which debts or policies each payment settled. You can also make multiple payments toward a large balance and track each one separately.
Can I make extra payments to pay off my debt plan early?
Yes. You can make additional payments toward your plan balance at any time from your portal, up to the remaining plan total.
Missed Payments & Account Status
What happens if I miss a debt payment plan installment?
You'll receive reminders before and after your due date. If the payment is not made, your account will be frozen after a grace period, and you'll have a window to resolve the balance before your account is terminated. Reach out to Ethos Support if you know you'll have trouble making a payment.
What happens to my debt payment plan balance if my account is terminated?
If your account is terminated, your remaining plan debt will eventually roll up to your upline. Terminated agents continue to receive invoice reminders via email and can still make payments to resolve the balance.
Uplines
What debt payment plan information can uplines see in the agent portal?
Your earnings overview includes a chart showing how much of your org's outstanding debt is covered by a payment plan versus not. You can see at a glance how much of your rollup risk is paused. Clicking into the chart shows which downline agents are on plans, and clicking any individual agent shows their plan details, payment history, and which specific policies are included.
What does "Rollup paused" mean on a debt payment plan?
Debts that are included in an active payment plan do not roll up to you while the plan is in good standing. Those debts are marked "Rollup paused" in your portal. If a downline misses payments and their plan becomes delinquent, the standard rollup timeline resumes.
Does a downline's debt payment plan affect my compensation?
A payment plan covers a downline's prior debt and does not affect your earnings from business they write. If a downline misses payments and debt eventually rolls up to you, you'll be notified and it will appear in your outstanding balance.
What happens to downline debt that is not part of a payment plan?
Debt that is not on a payment plan ages on the standard timeline and will eventually roll up to you if it goes unresolved. You can see which downlines have unstructured debt in your portal. The chart in your earnings overview shows plan-covered debt versus debt still at risk of rollup.
Updated