Ethos v/s traditional carriers
Other provider
90%+ instant decision. 1
Approval rates
Lower instant approval rates
Speed of application
10-minute application.
Lengthy paper-based or hybrid application.
Advanced Underwriting
Uses 300,000+data points to provideinstant approvals with no medical exams. 2
Manual underwriting can take 4-6 weeks and require medical exams.
Ease of selling
100% online, with one seamless application process.
Not tech-driven and requires a more hands-on approach.
Agent app & client self-serve app
Multiple sales motionsto help you maximizeyour sales.
No client-self-serve application
Real-time client tracking
Automated 360 dashboard that tracks all of your client's statuses.
Separate CRM softwareis needed to manage clients.
Estate planning included 3
Included with alleligible Ethos lifeinsurance policies.
Not bundled with life insurance products and may be available as a standalone product.
Dedicated Account Manager
Get access to anAccount Manager and exclusive HGI webinar training.
Not available
1 For ages 20-85. Averaged across ages. 2 Just a few health questions 3 Estate planning tools are available under the Perks benefit issued with eligible policies sold through
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