Ethos

aid: ethos
name: Ethos
description: Ethos (Ethos Technologies Inc.) is a modern online life insurance platform founded in 2016 that lets eligible
  applicants get covered in as little as ten minutes without a medical exam, with coverage up to $3 million. Ethos offers
  term life, whole life, Indexed Universal Life (IUL), final expense, and guaranteed-issue policies through multiple top-rated
  carriers, plus wills, trusts, and estate-planning services. Beyond its direct-to-consumer and agent channels, Ethos exposes
  its underwriting and interview engines to enterprise partners through a set of partnership APIs, allowing partners to retrieve
  customized quotes, run instant interviews and underwriting, collect policy and billing information, and generate signed
  policy documents while keeping their own branding and UX. The partner API is gated behind a bearer token generated from
  a partner API key and tied to an individual application session.
url: https://raw.githubusercontent.com/api-evangelist/ethos/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
- accel
- general-catalyst
- softbank-vision-fund
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://res.cloudinary.com/getethos/image/upload/v1565983195/00_CMS/Ethos_Life_Insurance_y3fyg1.png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Insurance
- Life Insurance
- Insurtech
- Underwriting
- Financial Services
- Estate Planning
- Partnership API
apis:
- name: Ethos Partnership API
  description: Partner-gated API surface exposing Ethos's underwriting and interview engines. Partners can retrieve customized
    quotes, conduct interviews and instant underwriting, collect required policy and billing information, and generate signed
    policy documents while controlling their own branding and UX. Authentication is a bearer token generated from a partner
    API key and tied to an individual application session (session data stored server-side, invalidatable by Ethos). No public
    OpenAPI is published; access is provisioned per partner.
  humanURL: https://www.ethos.com/api/
  tags:
  - Insurance
  - Life Insurance
  - Underwriting
  - Quotes
  properties:
  - type: Authentication
    url: authentication/ethos-authentication.yml
  - type: Conventions
    url: conventions/ethos-conventions.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.ethos.com
- type: DeveloperPortal
  url: https://www.ethos.com/api/
- type: Blog
  url: https://www.ethos.com/blog/
- type: Support
  url: https://www.ethos.com/contact-us/
- type: TermsOfService
  url: https://www.ethos.com/terms/
- type: PrivacyPolicy
  url: https://privacy.ethoslife.com/policies
- type: Login
  url: https://app.ethos.com/login
- type: GitHubOrganization
  url: https://github.com/getethos
- type: LLMsTxt
  url: llms/ethos-llms.txt
- type: Authentication
  url: authentication/ethos-authentication.yml
- type: Conventions
  url: conventions/ethos-conventions.yml
- type: Conformance
  url: conformance/ethos-conformance.yml
- type: DomainSecurity
  url: security/ethos-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence