When you submit your application, it’s sent to an underwriter whose job it is to review your information and to calculate the cost of insuring you. New technologies, such as those utilized by Ethos, can help with this process.
If the underwriter doesn’t have any questions about your application, you’ll be contacted by an Ethos representative to go over your life insurance options. This usually occurs about 2 weeks after the time you submitted your application.
Sometimes, the underwriter needs more information, which may mean following up with you, seeking additional details from your doctor’s office, or requesting you take a medical exam. If this happens, we will work with you to make the process as simple and quick as possible.