Ethos Field Underwriting Guide

How do we do it?

Benefits of the Ethos way

Ethos makes getting a policy simple, fast, and painless.

Save your clients time and hassle Our proprietary technology analyzes data more quickly than human underwriters can, leading to approvals in a fraction of the time. In addition, because there are no medical exams in our process, just a few health and lifestyle questions, your clients can skip appointments for blood and urine samples. Streamlined support for field underwriting Our technology platform helps find you the right policy type for your client. We won’t lead an applicant to a product for which they aren’t likely to be approved, saving the time it usually takes to shop around and apply with multiple carriers. No case management By using existing data in place of traditional lab work and physical exams, Ethos eliminates your case management work following up with clients and carriers, and waiting for results. More time to scale your business Because cases are underwritten so fast, you can work with more clients and maximize potential earnings. Instead of waiting 4-6 weeks for approval of a traditionally underwritten application and another 30 days to receive a commission payment, the entire process, including payout, is much faster with Ethos.

Tip for completing the application

It can be helpful for your client to log in to their patient portals in a separate browser tab while completing their application, so they can reference their medical records for specific details they may not remember off the top of their head.

Having their records easily accessible can help ensure accuracy and avoid a lengthier underwriting process.

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