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
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
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