Ethos, founded in 2016, is an InsurTech company that operates a fully online platform for purchasing life insurance. The company's technology streamlines a traditionally complex process, enabling customers to obtain quotes and activate policies in minutes rather than months, without requiring a medical exam. Coverage amounts are available up to $3 million, with same-day activation as a standard option.
The platform offers several insurance products, including Term Life, Whole Life, Permanent Life, Guaranteed Issue, and Final Expense policies. Beyond insurance, Ethos provides complimentary estate planning services, such as wills and trusts. It also runs an Agent Partnership Program, which connects licensed agents with consumers to create a marketplace model.
Technical work at the company spans data science, online platform development, and real-time rate calculation systems that power the instant quoting engine. The company operates in the life insurance and FinTech sectors.