How do we do it?
Our underwriting platform
Our proprietary underwriting engine chooses an appropriate product for each client, so you don’t have to. The typical customer journey is simple and direct.
AGENT SENDS LINK TO CLIENT
GETS QUOTE
APP STARTED
APP APPROVED
PICKS COVERAGE OPTIONS
UNDERWRITING
PROVIDES PAYMENT
COVERAGE BEGINS
Ethos uses a smart-routing application and information pulled from authorized data sources to find the most appropriate coverage for any applicant, adhering to underwriting rules developed in partnership with our carriers. As your client completes the application, their answers to questions about their medical history will trigger a series of reflexive questions to get more detail that’s necessary to properly underwrite them. Our proprietary process analyzes their answers in real time to determine the best product for them, and avoids offering them coverage they’re not likely to be approved for. This allows Ethos to offer coverage to the majority of applicants. In general, our process continually evaluates eligibility for the best and lowest risk policy, deferring the applicant to the next best option should their disclosures represent an increased risk as they continue the application. In about 10% of cases, additional documentation and human underwriting are required for the most selective product we offer, Ethos Prime Term. In all other cases, underwriting decisions are made 100% online.
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