Agents can now quote customers’ life insurance without medical exams, which have been replaced by a few health questions through the Ethos system.

Agents can offer both a level term life insurance (with up to 30-year terms and $1 million in face amount) in all states but New York, as well as Simplified Issue Term, Simplified Issue Whole, and Guaranteed Issue Whole Life options.

After underwriting, which is often instant or the same day, the applicant will get a decision. If approved, insureds can choose to activate their coverage without agent involvement.

With this new partnership, Appalachian Underwriters adds life insurance to their insurance products. Agents can use Appalachian Underwriters Agent Portal to quote workers’ compensation, general liability, life, and personal lines of insurance online.

AUI is a full-service MGA and wholesale insurance brokerage working with independent agents.

Ethos is a fintech providing life insurance policies by quantifying the user’s health risk using predictive models instead of requiring people to go through the process of paper applications and medical exams.