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Ethos
Underwriting
Underwriting Overview

Underwriting Overview

This provides answers to the most frequently asked questions about Ethos' underwriting process.

How does the underwriting process work?
Are medical exams ever needed?
Are all products 100% instant decision?
Can I change the quote (e.g., premium, coverage amount) after underwriting?
What should I expect if my client’s application requires manual underwriting?
If the actual coverage offer is higher than initially quoted, do you provide the reason?
If the face amount is lower than initially quoted, do you provide the reason?
If my client is declined, do you provide the reason?
What are the product knockout conditions?
What happens if my client is not approved?
What happens if my client’s application requires additional information?
How do I help a client who has been declined or wants to dispute their underwriting results?
My client was declined for coverage. Can I get a copy of the decline letter for them?
If a client has an existing life insurance policy, what information about that policy is required during a new Ethos application?
What medical questions are asked on the Ethos application?
Where can my client find the HIPAA disclosure?
How can I list an estate as the beneficiary on a policy?
Where can I find the Underwriting Guide?
How long is my client’s underwriting offer valid?
Why does the application say "not authorized for a specific health class"?
Can the ETI link be sent by text message?
How long does underwriting take?
How do I upload an Attending Physician’s Statement (APS)?
When can a client upload documents?