Ethos Life operates a digital platform that enables consumers to purchase term life insurance without traditional medical examinations or extensive paperwork requirements. Founded in 2016 and headquartered in San Francisco, the company has positioned itself as a technology-driven disruptor in the life insurance sector by streamlining the application and underwriting process. Ethos Technologies Inc. leverages data analytics and automated risk assessment to accelerate policy approval times while maintaining competitive pricing structures. The company focuses on expanding its direct-to-consumer insurance offerings and enhancing its digital infrastructure to capture market share from traditional insurance carriers through improved customer experience and operational efficiency.