# Ethos

**Canonical:** https://apis.io/providers/ethos/  
**Website:** https://www.ethos.com  
**APIs profiled:** 1

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.

## Kin Score — 18.1 / 100 (emerging)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 18.1).

| Facet | Score |
|---|---|
| Discoverability | 66.7 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Insurance**: 31.8 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Ethos Partnership API** — Partner-gated API surface exposing Ethos's underwriting and interview engines. Partners can retrieve customized quotes, conduct interviews and instant underwriting, collect requ...

## Security (2)

- **Ethos Authentication** — http · 1 scheme
- **Ethos Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Insurance, Life Insurance, Insurtech, Underwriting, Financial-Services, Estate Planning, Partnership API

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/ethos/). Scores are computed from the provider's own public artifacts under a published rubric.