Ethos

Ethos provides affordable online life insurance with instant quotes and a fast, paperless application process. Customers can obtain coverage without a medical exam, often within minutes, and manage policies through a digital platform. The company leverages technology to simplify underwriting, offers a range of term and whole life products, and integrates with partners via its API for quote generation, policy issuance, and data services.

Ethos is profiled on the APIs.io network. Tagged areas include Company, Insurance, FinTech, API, and LifeInsurance.

Ethos’ developer surface includes signup flow, getting-started guide, engineering blog, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

12.3/100 emerging Agent 0/100 human only Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

0 APIs

Company InsuranceFinTechAPILifeInsuranceDigital

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 12.3/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.4 / 17

Access Clarity 4.0 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 4.4 / 9

Regulatory Posture 1.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 14.3 — up to +17.1 composite points
Access Clarity scores 23.7 — up to +15.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/getethos-com/apis.yml: open an issue on github.com/api-evangelist/getethos-com to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 1

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

Getethos Com Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

GettingStarted

GettingStarted

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 3

The organization behind the API

Newsroom

Newsroom

Blog

Blog

Website

Website

Other 3

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Leadership

Leadership

Source (apis.yml)

aid: getethos-com
name: Ethos
image: https://res.cloudinary.com/getethos/image/upload/w_1200,h_1200,c_fit/v1565712064/01_NEW%20Lifestyle%20%28Rebrand%29/life-insurance-father-and-son-playing.jpg
description: Ethos provides affordable online life insurance with instant quotes and a fast, paperless application process.
  Customers can obtain coverage without a medical exam, often within minutes, and manage policies through a digital platform.
  The company leverages technology to simplify underwriting, offers a range of term and whole life products, and integrates
  with partners via its API for quote generation, policy issuance, and data services.
url: https://raw.githubusercontent.com/api-evangelist/getethos-com/refs/heads/main/apis.yml
x-type: company
x-source: harvest:vc-portfolio
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-25 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-25'
modified: '2026-10-25'
tags:
- Company
- Insurance
- FinTech
- API
- LifeInsurance
- Digital
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: LLMsTxt
  url: llms/getethos-com-llms.txt
- type: Hosts
  url: hosts/getethos-com-hosts.yml
- type: Vendors
  url: vendors/getethos-com-vendors.yml
- type: TermsOfService
  url: https://www.ethos.com/terms/
- type: SignUp
  url: https://www.ethos.com/annuity/registered-index-linked-annuity-rila/
- type: Newsroom
  url: https://www.ethos.com/press/welcome-to-ethos/
- type: Leadership
  url: https://www.ethos.com/leadership/
- type: GettingStarted
  url: https://www.ethos.com/agents/get-started/
- type: Blog
  url: https://www.ethos.com/blog/
- type: GitHubOrganization
  url: https://github.com/getethos
- type: DomainSecurity
  url: security/getethos-com-domain-security.yml
- type: Website
  url: https://www.ethos.com
apis: []
x-backed-by:
- accel
x-coverage:
  state: none
  reason: no-developer-program
  method: derived
  generated: '2026-10-25'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company publishes no developer documentation host and no machine-readable contract on its own domain
  evidence:
  - url: http://www.getethos.com
    status: 200
x-enrichment:
  date: '2026-10-25'
  status: enriched
  artifacts_added: 8
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

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