Ethos Technologies Inc.

Ethos Technologies Inc. (NASDAQ: ETHOS) operates a technology-driven, direct-to-consumer platform that transforms how life insurance is bought, sold, and administered in the United States. The company's website is www.ethos.com.

The company provides a fully digital, vertically integrated platform that streamlines the entire life insurance value chain from distribution through underwriting, policy activation, payments, and ongoing administration. Rather than assuming insurance risk itself, Ethos partners with top-rated insurance carriers to offer policies to consumers nationwide. The platform serves three primary constituencies: consumers seeking simplified life insurance purchasing, independent agents and agencies looking to enhance their sales capabilities, and insurance carriers seeking expanded distribution channels and improved underwriting efficiency.

Ethos has activated over 500,000 policies across a comprehensive product suite that includes multiple Term Life Insurance offerings, Whole Life Insurance, Indexed Universal Life Insurance, Wills and Estate Planning services, and Supplemental Health Insurance. The company expanded from a single product in 2019 to ten products as of December 31, 2025. The platform processes up to 250,000 data points per application using proprietary underwriting technology that delivers decisions to most applicants within minutes rather than the weeks required by traditional processes.

The company operates through two primary distribution channels: direct-to-consumer marketing and a third-party network of independent agents and agencies. As of December 31, 2025, Ethos had over 15,000 active selling agents on its platform and multiple active insurance carriers. The business model is capital-light and highly scalable, generating revenue primarily through commission payments from carriers both at policy inception and upon renewal.

Ethos employs personnel across global technology hubs including San Francisco and Bengaluru, India, as well as remote locations throughout the United States and select additional countries. The company's technology platform is built on cloud-native, microservices architecture with integrated machine learning capabilities for fraud detection, marketing optimization, and operational intelligence.