Uninsurable scenarios
Underwriting data and eligibility
Medical records
We try to rely as much as we can on application disclosures and questionnaires, but sometimes we need to review an applicant’s medical record, also referred to as an electronic health record (EHR) or attending physician statement (APS). Medical records are required for Ethos Term Life – Prime applicants age 61–65. If this becomes necessary, we gather their records directly from their provider using a HIPAA-compliant medical release they’ve signed as part of their application. The time it takes to collect medical records varies widely, depending on the applicant’s medical providers. Some doctor’s offices or medical facilities are quick to respond, while others can take months to send the requested records. Ethos has little control over a facility’s response time, but we’re careful to follow up with them regularly on any orders to make sure the requested information is received as quickly as possible. Applicants will also be kept informed via email during this stage. Some medical facilities will require that their formatted release be signed, even if the one we’ve provided is HIPAA compliant. If this happens, the applicant will be informed via email and text and will get a reminder a few days later if they haven’t already completed and returned the medical release.
Occasionally, we may reach out to an agent directly for help in coordinating a request with their client for medical records.
Eligibility
All U.S. citizens and permanent residents age 20–85 can apply for coverage with Ethos. If your client is 65 or under, they can apply for term coverage. If they are over 65, they are eligible for whole life insurance.
Ethos operates in 49 U.S. states and the District of Columbia, excluding the state of New York.
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