Ethos

Ethos is a digital life insurance company founded in 2016 that sells coverage through a fully online process. The company operates a three-sided marketplace connecting consumers, insurance carriers and agents, and applies data science to problems including real-time rate calculation, instant quote generation and digital underwriting. Its platform is designed to replace traditional underwriting steps such as medical exams and lengthy paperwork with an application that takes minutes to complete.

Through the platform, Ethos offers term life, whole life, permanent life, guaranteed issue and final expense policies, with coverage of up to $3 million and same-day activation available in some cases. Alongside insurance, the company provides free estate planning services, including wills and trusts, and runs an agent partnership program as part of its marketplace.

Ethos operates in the life insurance, insurtech, estate planning and financial services sectors. The company describes its focus as removing traditional barriers to life insurance and making coverage more accessible, supported by a technology- and data science-led approach to the insurance stack.