Ethos
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.
Index entry only — little beyond a description and a link, and nothing machine-readable enough for an agent to act on without a human reading the site first.
API Evangelist profiles Ethos the way a machine reads it — 2 machine-readable artifacts, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Ethos scores 8.6/100 (minimal), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Ethos
Each block below is one kind of artifact we hold for Ethos. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
GraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Ethos Life - GraphQL Schema
Ethos Life operates a Partnership API that allows approved business partners to embed quoting, identity validation, instant underwriting, application capture, billing, and signe...
GRAPHQLSecurity Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Ethos — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Company 9
The organization behind the API
Scroll within the panel for all 9 ·
Other 5
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/ethos-life · machine-readable index on apis.io