After you submit your application, the underwriters decide whether you can be fast-tracked to approval. Based on your unique situation, you might be asked to answer a couple of follow-up questions or to get a medical exam. Only a small number of our applicants are asked to complete a medical exam, which is always convenient and free.
If the underwriters decide one is necessary, it will cost you nothing other than a few minutes of your time. Ethos partners with ExamOne to make your exam fast and simple. You can schedule your exam wherever it’s most convenient for you, like at home, work, or an ExamOne location near you.
The exam itself only takes a few minutes. It usually consists of a medical professional taking your physical measurements (height, weight, blood pressure) and collecting blood and urine samples for testing. Then you’re done! To keep the application moving along, please complete your medical exam as soon as possible.