Ethos instant underwriting: decisions with confidence
Decision inputs
Process
● 90% instant decision including complicated risk assessments (e.g. diabetes, table ratings) ● 100% fluidless ● Up to $2M with prime to elevated risk options ● Proprietary rules engine makes sense of data: ○ Augments vendor rules ○ Builds a coherent health profile ○ Surfaces actionable insights ○ Resolves questions in real time ○ Most decisions reviewed by a human ○ Ineligible applicants are routed to next available product
Readily-available data from authorized sources ●
Third-party prescription histories
Digital health records
● ● ● ● ●
Credit-based insurance score
Motor vehicle report
Criminal history
Reflexive application answers
Outcome: Fast, confident decisions for fast, confident sales
ethos.com
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