Our proprietary underwriting engine chooses an appropriate product for each client,
so you don’t have to. Ethos uses a smart-routing application and information pulled from customer-authorized data sources to find the most appropriate coverage for any applicant, adhering to underwriting rules developed in partnership with our carriers.
As your client completes the application, their answers to questions about their
medical history will trigger a series of reflexive questions to get more detail that’s
necessary to properly underwrite them. Our proprietary process analyzes their
answers in real-time to determine the best product for them and avoids offering them
coverage for which they’re not likely to be approved. This allows Ethos to offer coverage to
the majority of applicants.
In general, our process continually evaluates eligibility for the lowest-price product, routing the applicant to the next best option should their disclosures lead to a change in risk class as they continue the application. In about 10% of cases, additional documentation and human underwriting are required for Ethos Term Life – Prime, Ethos Term Life – Choice, and Ethos Protection IUL. In all other cases, underwriting decisions are made 100% online.
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