FAQ
How do product eligibility and routing work at Ethos?
At Ethos, we work hard to match everyone with the right life insurance policy and are able to approve more than 90% of applicants. When our underwriting logic has determined an applicant is ineligible for the product for which they originally applied, we reroute them to the next best product option for which they’re eligible. Eligibility is based on CBI score, reported medical history, motor vehicle record, and other determining factors. Product eligibility is based on internal Ethos logic prior to underwriting. We don’t have a MIB reporting requirement when determining product eligibility. Once we’ve entered into a formal application and underwriting process with a customer, MIB captures relevant information but doesn’t record an insurance applicant's rate class, approval, or decline status. Ethos is a licensed agency that provides producer, underwriting, and third-party administrator (TPA) services. We're not a carrier, but we partner with top-tier carriers to provide policies on their paper. You and your client will interact primarily with us, while our carrier partners issue the actual policies. We have offices in San Francisco, California; Austin, Texas; Seattle, Washington; and Bangalore, India. For more information, see our Ethos for Agents Playbook.
Are ineligible applicants reported to the MIB?
Who is Ethos?
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