Ethos

Ethos is an American insurance technology company based in Austin, Texas, founded in 2016. It simplifies access to life insurance through a fast, online application process that does not require medical exams. As a licensed insurance agency, Ethos provides producer, underwriting, and third-party administrator services for various carriers, including Legal & General America and TruStage. Ethos offers a range of life insurance products, including term life insurance for ages 20-65 and guaranteed issue whole life insurance for ages 65-85. The company utilizes machine learning and proprietary algorithms to assess risk and provide quick policy approvals, often within 5-10 minutes. Ethos also features tools for estate planning, instant quotes, and a sales portal for insurance agents. The company targets individuals and families seeking accessible life insurance and supports agents looking to expand their offerings. Ethos is licensed in 49 U.S. states and D.C., serving a wide demographic of U.S. citizens and permanent residents.