Traditional full underwriting is slow and painful
Decision inputs
Process
● ● ●
Direct, intrusive data ●
Weeks or months of full underwriting
Blood & urine labs
Burdensome requirements Manual, low-tech process
● ● ●
Physician statements, EKGs
Medical records
Detailed health questionnaire
Outcomes ●
Most people don’t even try
● Decisions for applicants who can persist to the end
ethos.com
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