Ethos website screenshot

Ethos

Ethos is a US digital life insurance company headquartered in San Francisco, founded in 2016, offering term life, whole life, and indexed universal life policies through an online, mostly no-medical-exam application flow. Ethos operates as a technology-driven insurance agency, distributing policies underwritten by carriers such as Ameritas, Banner Life (Legal & General America), Protective, and TruStage. Coverage is available in 49 states and Washington, D.C., with term policies offered for 10, 15, 20, 30, and 40 year durations and face amounts ranging from $15,000 to $3 million. The company has raised over $400 million from investors including Goldman Sachs, SoftBank, GV, Sequoia, and Accel, and is widely cited as one of the leading insurtech companies modernizing the life insurance buying experience. Ethos exposes a Partnership API that lets approved business partners embed quoting, identity validation, instant underwriting, application capture, billing, and signed policy issuance directly into their own products. The Partnership API uses bearer-token authentication tied to a partner API key and per-applicant session, and consolidates steps such as identity validation and quoting into combined endpoints to enable instant decisioning. There is no public, self-serve OpenAPI specification, SDK, or developer signup; access requires a partnership agreement with Ethos. Ethos's only material open-source footprint is the ethos-design-system React component library on GitHub.

Ethos is profiled on the APIs.io network. Tagged areas include Insurance, Life Insurance, Term Life Insurance, Whole Life Insurance, and Indexed Universal Life.

Ethos’ developer surface includes GitHub presence, engineering blog, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
8.6/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
InsuranceLife InsuranceTerm Life InsuranceWhole Life InsuranceIndexed Universal LifeInsurtechDigital InsuranceNo Medical ExamUnderwritingQuotesPoliciesEmbedded InsurancePartnership APIFinancial Services

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 8.6/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.4 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/ethos-life: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

GraphQL 1

GraphQL schemas published by this provider.

Ethos Life - GraphQL Schema

Ethos Life operates a Partnership API that allows approved business partners to embed quoting, identity validation, instant underwriting, application capture, billing, and signe...

GRAPHQL

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Ethos Life Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

AgentPortal
AgentPortal

Documentation 1

Reference material describing how the API behaves

GraphQL
GraphQL

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub
GitHub

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Company 9

The organization behind the API

Website
Website
 Partners
Partners
 TechBlog
TechBlog
 About
About
 Careers
Careers
 LinkedIn
LinkedIn
 Twitter
Twitter
 Crunchbase
Crunchbase
 Blog
Blog

Scroll for all 9

Other 5

Properties that don't map to a standard resource type

API
API
 PolicyholderResources
PolicyholderResources
 CustomerApplication
CustomerApplication
 MediumEngineering
MediumEngineering
 DesignSystem
DesignSystem

Source (apis.yml)

apis.yml Raw ↑ 
aid: ethos-life
name: Ethos
description: Ethos is a US digital life insurance company headquartered in San Francisco, founded in 2016, offering term life,
  whole life, and indexed universal life policies through an online, mostly no-medical-exam application flow. Ethos operates
  as a technology-driven insurance agency, distributing policies underwritten by carriers such as Ameritas, Banner Life (Legal
  & General America), Protective, and TruStage. Coverage is available in 49 states and Washington, D.C., with term policies
  offered for 10, 15, 20, 30, and 40 year durations and face amounts ranging from $15,000 to $3 million. The company has raised
  over $400 million from investors including Goldman Sachs, SoftBank, GV, Sequoia, and Accel, and is widely cited as one of
  the leading insurtech companies modernizing the life insurance buying experience. Ethos exposes a Partnership API that lets
  approved business partners embed quoting, identity validation, instant underwriting, application capture, billing, and signed
  policy issuance directly into their own products. The Partnership API uses bearer-token authentication tied to a partner
  API key and per-applicant session, and consolidates steps such as identity validation and quoting into combined endpoints
  to enable instant decisioning. There is no public, self-serve OpenAPI specification, SDK, or developer signup; access requires
  a partnership agreement with Ethos. Ethos's only material open-source footprint is the ethos-design-system React component
  library on GitHub.
type: Index
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/ethos-life.png
tags:
- Insurance
- Life Insurance
- Term Life Insurance
- Whole Life Insurance
- Indexed Universal Life
- Insurtech
- Digital Insurance
- No Medical Exam
- Underwriting
- Quotes
- Policies
- Embedded Insurance
- Partnership API
- Financial Services
url: https://raw.githubusercontent.com/api-evangelist/ethos-life/refs/heads/main/apis.yml
created: '2026-05-25'
modified: '2026-05-25'
specificationVersion: '0.20'
apis: []
common:
- type: DomainSecurity
  url: security/ethos-life-domain-security.yml
- type: Website
  url: https://www.ethos.com
- type: API
  url: https://www.ethos.com/api/
- type: Partners
  url: https://www.ethos.com/faq/partners/
- type: PolicyholderResources
  url: https://www.ethos.com/policyholder-resource-page-partnerships/
- type: AgentPortal
  url: https://agents.ethoslife.com/login
- type: CustomerApplication
  url: https://app.ethoslife.com/login/
- type: TechBlog
  url: https://www.ethos.com/tech-and-ethos/
- type: MediumEngineering
  url: https://techandethos.medium.com
- type: About
  url: https://www.ethos.com/about/
- type: Careers
  url: https://www.ethoslife.com/careers/
- type: GitHub
  url: https://github.com/getethos
- type: DesignSystem
  url: https://github.com/getethos/ethos-design-system
- type: LinkedIn
  url: https://www.linkedin.com/company/ethoslife
- type: Twitter
  url: https://twitter.com/ethoslife
- type: Crunchbase
  url: https://www.crunchbase.com/organization/ethos-3
- url: graphql/ethos-life-graphql.md
  type: GraphQL
- type: Blog
  url: https://techandethos.medium.com/feed
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com