Ethos
“Can a technology platform replace the legacy life insurance distribution model by making underwriting instant, agent-free, and digitally accessible at scale?”
Founded2016
HQAustin, Texas, United States
Total raisedunknown
Latest roundSeries C, 2020
IndustryFintech / Insurtech
The story
Founded in 2016 as a digital-first life insurance startup, Ethos built a proprietary underwriting and distribution platform aiming to remove the friction of traditional life insurance (medical exams, agent gatekeepers). The company rapidly scaled through multiple funding rounds and expanded to 49 states, positioning itself as a technology-driven insurtech rather than a carrier. Its embedded finance angle is primarily around insurance product distribution and agent-facing digital tooling.
Last 12 months
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Product timeline
2016
Ethos Technologies Inc. founded in San Francisco with a mission to make ethical life insurance accessible via technology.· insurance
2019
Raised $11.5M Series A and subsequently $35M Series B led by Accel, expanding licensed coverage to 49 US states.· insurance
2020
Raised $60M Series C led by GV, opened Austin and Singapore offices to scale engineering.· insurance
Regulated entities
Insurance license
US (49 states)
Ethos Technologies Inc.
The stack
Payments / PSP
Accounting gap: none