Ethos is building a wholly new model for life insurance. Ethos has redesigned a broken system from top to bottom to give millions of families the protection they need. In a world where one-third of Americans say their family would be vulnerable to bankruptcy if they passed away unexpectedly, Ethos democratizes access to ethical life insurance for consumers nationwide, enabling more families to have financial security and peace of mind for generations to come. Ethos’s core value is to treat their customer’s families like they treat their own families, and therefore has created an ethical product that prioritizes people over sales, meaning they only sell policies that are good for customers. Ethos has built its entire technical stack from scratch, with predictive analytics, sophisticated data tech, and design decisions influenced by what people really need. This has allowed them to eliminate many of the traditional barriers that keep people from getting coverage, such as broad, biased assumptions about certain populations, and improve the way they fit policies to the individual. The result? An application process that takes minutes instead of weeks, no medical exams for the majority of applicants, and flexible policies designed to fit your life.