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
Not 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.
Not Submitted – Re q uires Underwriter Review
C heck back to see if additional underwriting requirements are needed.
Underwriter Review Pending
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. Your client may apply for TruStage ™ G uaranteed A cceptance Whole L ife. C overage is guaranteed, and no underwriting is required. P lease see the TruStage™ Life Underwriting Guide for more info about TruStage ’ s underwriting guidelines and knockout conditions.
Underwriting Re q uirements Needed
Your client's application requires some additional underwriting requirements.
U nfortunately, your client did not qualify for this product.
Dis q u al i fi ed
Email ethosforagent @ getethos.co m or call ( 41 5) 797-0864 for help !
Un k nown
This status could indicate an unusual error.
agents @ getethos.com
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