Ethos Field Underwriting Guide

1

Introduction

How do we do it?

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Our underwriting platform Our product offerings Benefits the Ethos way

Underwriting data and eligibility

6

CBI score RX history MIB MVR Criminal history Human underwriting

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Electronic questionnaire Prior lab data Medical records

Eligibility

Condition-specific ratings

11

Guaranteed issue coverage Red-flag medications

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FAQ

13

Disclosures

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