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

14.3/100 emerging ▬ flat Agent 15/100 agent aware Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Insurance Life InsuranceTerm Life InsuranceWhole Life InsuranceIndexed Universal LifeInsurtech Digital InsuranceNo Medical ExamUnderwriting Quotes Policies Embedded InsurancePartnership APIFinancial-Services

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 14.3/100 · emerging

Contract Quality 9.2 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 1.4 / 15

Agent readiness — 15/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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.

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

Partners

TechBlog

About

Careers

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)

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
tags_raw:
- 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: '0.23'
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

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