How Ethos underwriting works Fast, confident decisions that power fast, confident sales
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
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But most instant underwriting is not so instant
Decision inputs
Process
● ● ● ●
Readily-available data from authorized sources ●
20–30% instant decision
Engine can only decide straightforward cases (e.g. standard or better w/crystal clear data)
Third-party prescription histories
Fluids occasionally still requested
Digital health records
● ● ● ● ●
Making sense of instant UW data is hard: ○ Doesn’t follow clinical standards ○ Lacks context ○ Fragmented & conflicting info ○ Siloed logic from data vendors
Credit-based insurance score
Motor vehicle report
Criminal history
Standard application questions
Outcomes ●
Highly manual process in practice
● Brittle, inconsistent logic leading to risk-averse decisions and incorrect approvals
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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 $2M with prime to elevated risk options ● Proprietary rules engine makes sense of data: ○ Augments vendor rules ○ Builds a coherent health profile ○ Surfaces actionable insights ○ Resolves questions in real time ○ Most decisions reviewed by a human ○ Ineligible applicants are routed to next available product
Readily-available data from authorized sources ●
Third-party prescription histories
Digital health records
● ● ● ● ●
Credit-based insurance score
Motor vehicle report
Criminal history
Reflexive application answers
Outcome: Fast, confident decisions for fast, confident sales
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Real-life examples
Holistic view of health vs. source-by-source rules Data: Inhalers and controller medications + ICD codes for asthma. We recognize this as moderate-to-severe asthma—not just a one-off script.
Smart conflict resolution vs. blind assumptions Data: Cancer drug but no cancer diagnosis. Some cancer drugs are also used in IVF. We flag this ambiguity and directly ask the
Human review where it counts Data: MIB report
If MIB conflicts with our other data, we don’t force a decision—we escalate
applicant for clarification.
to a human underwriter.
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Agent portal underwriting details View underwriting details in the Customers tab to help you better understand the outcome and guide your next steps with clients.
Hereʼs examples of what youʼll see:
● Congrats! Your client was approved with [Carrier] for [Face amount] , [Term] at [$ monthly premium] . This decision was based on info from the application and your clientʼs health and lifestyle. Key factors: X, Y, Z. ● Thanks for submitting the application. Based on what weʼve seen, the best fit for your client is TruStage. This is due to application info and health/lifestyle factors. Key items: X, Y, Z.
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Underwriting details in the agent-assisted application In any of these 3 scenarios, when you click ʻUnderwriting detailsʼ, youʼll be shown the same details from the Customers tab:
✅ Instant approval (Same or different rate as original quote)
🔁 Client is routed to TruStage
📝 Manual underwriting is required
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Manage ETI requests with ease How to resend ETI requests in the agent portal
Chatbot Go to the chatbot in the bottom right corner of the agent portal and type ʻResend ETI requestʼ and follow the instructions.
Homepage tab Click on the 3 dots next to the task that says a client still must complete a form. Select ʻResend ETI request.ʼ Note: This action can only be completed once per day.
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Manage ETI requests with ease (cont.) Resend an ETI request through the agent portal Customers tab.
Customers tab Click on the 3 dots next to the clientʼs name and select ʻResend ETI requestʼ.
Client details If you select a clientʼs name, you will also see helpful status updates and tips on what action you can take next.
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More ETI, EHR, and APS visibility We show status updates in the agent portal Customer and Homepage tab so you know when additional info is needed from the client.
Statuses that require action ➔ Electronic Interview (ETI) required (follow-up with the client)
Other important statuses that do not require action ➔ ETI pending review ➔ ETI completed ➔ Electronic Health Record (EHR) requested ➔ EHR pending review ➔ EHR completed ➔ Attending Physician Statement (APS) requested ➔ APS pending review ➔ APS completed; ➔ APS authorization received ➔ APS pending review ➔ APS completed
Additional info is available in our Client Status Cheat Sheet.
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Automated reminders Keep an eye out for our email and text reminders so you can quickly follow up with your client:
ETIs ➔ An ETI request has been sent to your client ➔ We’ve received the client’s ETI request ➔ We’ve completed your client’s ETI review APSs ➔ APS has been requested for your client ➔ APS request has been received ➔ APS review has been completed EHRs ➔ EHR has been requested for your client ➔ EHR request has been received ➔ EHR review has been completed
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