Underwriting data and eligibility
Human underwriting
Currently, about 10% of applications are referred for underwriter review. This may happen because of certain information reviewed or disclosed on the application. If an application requires underwriter review, we may use one or more of the following methods to collect the information necessary to make a decision:
Electronic questionnaire
Instead of a traditional telephone interview, Ethos may reach out to the applicant via email, with a link to an online form requesting specific case information, such as a request to provide more detail about or clarify a previous answer. Your applicant will continue to receive automated email and text reminders every few days for two weeks, unless the request is completed sooner. If your client has received an electronic questionnaire, you or your client can call us at (415) 915-0665, or text (415) 702-1844 with any questions.
Prior lab data
We avoid blood or urine tests by gathering an applicant’s prior lab results from their existing medical records. Ethos can access existing lab data two ways:
3 Direct lab results If an applicant has ever had lab work completed by Exam/LabOne or Quest Diagnostics, Ethos can seamlessly gather the test results using the applicant’s original medical records consent form signed during the application process.Q 3 Medical records If lab data isn’t available, we may need to request the applicant’s existing lab results directly from their health care provider.
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