Client Status Cheat Sheet

for Agents

Licen s ed l ife a gen ts o n l y. Agen ts ar e r eq u i r ed to a c t wi t hin t he s c o pe o f t hei r l icen s e. C o mmi ss i o n s ar e p a y a b l e to l icen s ed l ife in sura nce a gen ts o n l y. D o n ot di str ib ut e.

There are 2 types of statuses:E ' Application statuses — This shows the status of the client’s application up to policy activation.A ' Policy statuses — This shows the status of a client’s policy after policy activation. You can see a client’s status by clicking on their name in the Customers tab of the Ethos agent portal.

Application Status

Quoting & Application

Portal Status

What does this mean?

What actions can you take?

You've generated a quote, but the application still needs to be started for your client.

Follow up with your client, answer any questions they have, and help them with an application.

Quote Generated

Work with your client to complete the application.

Started

The application is partially completed.

Your client's application has been submitted for underwriting and may have additional requirements.

Check back to see if additional underwriting requirements are needed.

Submitted

Share the coverage and pricing information with your client. Ensure it fits their budget, answer any questions, and help them to activate the coverage. In specific cases, you may need to review the adjusted approved offer and send it to the customer after reviewing. Check the Customer 360 page for further details.

Your client's application has been approved by underwriting.

Approved

Complete contracting and licensing requirements if you haven ’ t already.

I f you are contracted and licensed, your client ’ s application will be transmitted by the end of business day, and the carrier will issue the policy shortly after.

R ead y f or C arrier Transmission

If you have, check back the following day to ensure the policy has been issued.

Ensure the P olicy Status changes to "P remium P aying " over the ne x t week. I f it does not, you will need to go back to your client to make sure their payment method was entered correctly. A lso, work with your client to ensure their spouse is covered or ask if they have friends / family who need coverage.

A ll requirements are complete and the application is completed. N o further action is required by you or your client at this time.

C omp l eted

a gen ts @ge t e t h os .c o m

for Agents

Licensed life agents only. Agents are required to act within the scope of their license. Commissions are payable to licensed life insurance agents only. Do not distribute.

Pending Cases

Portal Status

What does this mean?

What actions can you take?

We are still awaiting an underwriting decision from TruStage. Your client will be asked for payment and beneficiary information while their application is being reviewed. Your client's application has been submitted for an underwriter's review. This doesn't happen very often (usually only 5% of the time) but is sometimes required for older applicants or applicants with more complex risk profiles so we can get them the best price possible. Our underwriting system was unable to receive underwriting data from our providers. Your client will be asked for payment and beneficiary information while their application is pending. This application has not been submitted yet but will require an underwriter's review for approval. This doesn't happen very often (usually only 5% of the time) but is sometimes required for older applicants or applicants with more complex risk profiles so we can get them the best price possible. Your client's application has been submitted for human underwriting review. This doesn't happen often (usually only 5% of the time) but is sometimes required for applicants with more complex risk profiles in order to get the best price possible.

Ensure your client provides beneficiary and payment info. If approved as applied, the policy will be issued with no further action needed.

Submitted – Decision Pending

Work with your clients to ensure any follow-up requirements are completed. Otherwise, reach out every few days to let them know their application is being worked on. It's important to stay top of mind while they are going through underwriting. Ensure your client provides beneficiary and payment info while the application is pending. If approved as applied, the policy will be issued with no further action needed.

Submitted for Underwriter Review

N ot Submitted – Decision Pending

Work with your client to submit the application. A fterwards, an underwriter will review and we will reach out if additional information is required.

N ot Submitted – Re qu ire s Underwriter Review

C heck back to see if additional underwriting requirements are needed.

U nder w riter R e v ie w P endin g

F ollow up with your client to make sure the additional underwriting requirements are completed quickly, so we can get back to you as soon as possible with an underwriting decision. Encourage your client to complete the form promptly. If you client has not received the email, you can resend it from your home page or C ustomer page ( see how)

Underwritin g Requirements Needed

Your client's application requires some additional underwriting requirements.

The underwriter has additional questions for your client. We have emailed your client an online form with the questions.

El ectronic I nter v ie w (ETI) re q uired

Your client has completed their ETI (electronic interview), and our underwriting team is reviewing the information. This usually takes 2–3 business days, after which we will provide an update. Our underwriting team has reviewed your client ’ s ETI (electronic interview) details. If no further underwriting requirements are needed, we will usually provide a decision within a couple of business days.

ETI p ending re v ie w; no a ction re q uired

N o further action is needed from you or your client.

ETI com pl eted ; no a ction re q uired

N o further action is needed from you or your client.

agents @ getethos.com

for Agents

Licensed life agents only. Agents are required to act within the scope of their license. Commissions are payable to licensed life insurance agents only. Do not distribute.

Portal Status

What does this mean?

What actions can you take?

We have requested an EHR for your client from one of our underwriting data providers. Once we receive this information, we will review your client’s application and provide an update. This usually takes 8–10 business days. We have received the EHR (Electronic Health Record) for your client and are reviewing the information. This usually takes 2–3 business days, after which we will provide an update. Our underwriting team has reviewed your client’s EHR (Electronic Health Record) details. I f no further underwriting requirements are needed, we will usually provide a decision within a couple of business days. We have requested an APS ( A ttending P hysician S tatement) for your client from one of our underwriting partners. Once we receive this information, we will review your client’s application and provide an update. This usually takes 20 business days. We have received your client’s APS ( A ttending P hysician S tatement) and are reviewing the information. This usually takes 2–3 business days, after which we will provide an update. Our underwriting team has reviewed your client’s APS ( A ttending P hysician S tatement). I f no further underwriting requirements are needed, we will usually provide a decision within a couple of business days.

Electronic Health Record (EHR) requested; no action required