Ethos

Ethos is a digital life insurance company, founded in 2016, that sells coverage through a wholly online experience. Applications take minutes rather than months, same-day activation is available, and policies can carry coverage of up to $3 million. The company's work sits at the meeting point of consumer-facing digital products and insurance: online quote and application platforms, e-commerce and digital distribution, and real-time rate calculation and pricing supported by data science and digital underwriting.

The product line spans Term Life, Whole Life, Permanent Life, Guaranteed Issue (which requires no medical exam) and Final Expense insurance. Alongside these, Ethos provides free estate planning services, including wills and trusts, and runs an Agent Partnership Program. Together these form a three-sided marketplace linking consumers, insurance carriers and insurance agents.

The company describes itself as digital-first and consumer-centric, with an emphasis on removing such traditional barriers as medical examinations and lengthy paperwork. Its stated aim is to make life insurance accessible, and it offers supplementary services - wills and trusts among them - at no cost. Industry verticals include life insurance, insurance, estate planning, financial services and insurtech.