Fast, confident decisions for every client
Ethos instant underwriting combines proprietary technology with human expertise to deliver fast, accurate decisions for up to $2M in coverage without labs, delays, or drop-offs.
90% instant decision rate
Close more clients in minutes
Up to $2 million in coverage
100% fluidless
Supports a range of risk profiles
Traditional underwriting
Typical “instant” underwriting
instant under w riting
Speed to decision
Takes weeks or months
40–50% ge t an instant decision
90% of applicants get an instant decision
Medical requirements
Labs, exams, physician records, phone interviews
N o exams at start , but fluids or extra data often still re q uired
No medical exams, just a few simple health questions
Decision process
Fully manual from start to finish
B inary rules engine handles basic cases ; manual underwriting often re q uired
P r op riet a r y ru l e s engine re s olve s mo st c as e s instant ly; ma nu al underwriting o n ly w h en needed
Fast, confident decisions for every client
Smarter decisions mean more instant approvals
Holistic health view: We combine prescription history, medical records, and lifestyle data to fully assess client eligibility. Streamlined conflict resolution: Our system anticipates common ambiguities (like medications used for multiple conditions) and builds in processes to resolve them smoothly for clients. Strategic human review: When needed, we escalate to manual underwriting rather than issuing an auto-decline.
Full transparency for agents
Real-time underwriting decision details showing carrier, face amount, term, premium, and decision factors in the agent-assisted app and portal. Portal status and email notifications during manual underwriting, with agent ability to send client reminders for health questionnaires.
With Ethos, you’ll see fewer drop-offs, faster approvals, and better outcomes for your clients.
Start an app today at: agents.ethoslife.com/quote
For a g ent u se only .
© 2025 E t h os T ec h nolo g ies I nc . E t h os o p erates in so m e states as E t h os L ife I ns u rance S ervices . CA license #0L28949; AR license #100164629. E t h os o ff ers p olicies iss u ed b y t h e carriers listed at www. et h oslife . co m/ carriers . P rod u cts and t h eir feat u res m ay not b e availa b le in all states . T o h el p avoid re qu irin g a m edical e x a m , o u r a pp lication as k s certain h ealt h and lifestyle qu estions .
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