Migliaccio & Rathod LLP is investigating whether Ethos Life instant or no-medical-exam life insurance underwriting process unfairly denies applicants, charges higher premiums, or lacks adequate transparency regarding how automated decisions are made.
Reported Issues
Consumers report:
- Applying for life insurance after seeing advertising emphasizing no medical exams, instant underwriting, or same-day coverage.
- Receiving a denial or higher-than-expected quote after a short online application.
- Not understanding what data was used to evaluate them.
- Concern that automated scoring may use non-medical factors that disproportionately affect certain applicants.
Ethos Life markets “instant underwriting,” “no medical exams,” and “same-day coverage,” while also noting that some no-exam applicants may not receive instant approval if more information is needed.
Why Individuals Should Be Concerned
Potential claims include:
- Unfair insurance practices
- Discriminatory underwriting
- Consumer fraud
- Use of improper proxy variables
- Failure to explain adverse underwriting decisions
- Economic loss from denial or increased premiums
Signs You May Be Affected
- You applied for Ethos life insurance.
- You were denied, delayed, or quoted a higher premium.
- You expected a simple no-exam approval process.
- You were not told what data influenced your quote.
- You believe the underwriting decision was unfair or unexplained.
If you have encountered these issues, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call at (202) 470-3520.