Some insurers will require a medical exam before approving you for a policy if you have an underlying health condition or work in a high-risk profession. The medical exam results are then used to determine your premium, which could result in a "higher risk" premium if the results indicate that's warranted.
Ethos offers alternatives for those applicants who are considered a higher risk. Simplified issue and guaranteed issue policies are two popular options. Depending on the answers to your medical questions, you may qualify for a simplified issue policy. Others may be offered a guaranteed issue policy with coverage up to $30,000.
Ethos applicants don't need a medical exam
After you answer a few health questions and submit your application, it's reviewed to determine if it can be approved quickly. Depending on your situation, you may be asked to answer a few follow-up medical questions.
When you apply
Answer each question with as much detail and accuracy as possible. And be sure to have the following information handy:
After you apply
If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible. The policy underwriting process will be delayed until these steps get completed.