About
Ethos offers online life insurance using 300K+ data points to underwrite policies without medical exams, starting at $8/month. Raised $414M from Sequoia, Accel, GV, SoftBank (peak $2.7B valuation 2021). IPO filed Sept 2025, pricing at $1.26B valuation—listing on Nasdaq as LIFE. $277.5M revenue, $46.6M profit (9mo 2025). Backed by Jay-Z, Kevin Durant, Robert Downey Jr.
Key Facts
- [1]Founded: Founded in 2016 in San Francisco, United States.
- [2]Funding: Total funding: $408M. Last round: Jan 2022. Stage: Late Stage.
- [3]Employees: Employee count: 201-500.
- [4]Website: Official website: ethoslife.com.
- [5]AI Technology: Core AI/ML technologies: Predictive ML.
- [6]Region: Region: Americas (United States).
Founders
Peter Colis
Co-founder & CEO
Lingke Wang
Co-founder & CTO
AI Technology
Predictive ML
Traditional ML algorithms for classification, regression, and scoring models
Classification
Market Segments
Tech Stack Layers
Details
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Frequently Asked Questions
What is Ethos?
Ethos offers online life insurance using 300K+ data points to underwrite policies without medical exams, starting at $8/month. Raised $414M from Sequoia, Accel, GV, SoftBank (peak $2.7B valuation 2021). IPO filed Sept 2025, pricing at $1.26B valuation—listing on Nasdaq as LIFE. $277.5M revenue, $46.6M profit (9mo 2025). Backed by Jay-Z, Kevin Durant, Robert Downey Jr. Ethos is classified in the Insurance segment at the Applications layer of the financial AI stack.
Who founded Ethos?
Ethos was founded by Peter Colis (Co-founder & CEO) and Lingke Wang (Co-founder & CTO) in 2016 in San Francisco, United States. The company has been operating for 10 years.
How much funding has Ethos raised?
Ethos has raised $408M in total funding, placing the company at the Late Stage stage. The most recent round closed in Jan 2022. Among 45 funded Insurance companies, Ethos ranks #13 by total capital raised. (Source: AIFI Map directory.)
What AI technology does Ethos use?
Ethos primarily leverages Predictive ML technology. Traditional ML algorithms for classification, regression, and scoring models. Within the Insurance segment, 28 companies use this technology.
What market segment does Ethos operate in?
Ethos operates in the Insurance market segment. AI insurance companies are modernizing one of the oldest financial sectors, applying machine learning to underwriting, claims processing, actuarial modeling, and risk assessment across property, casualty, health, and life insurance lines.
Where is Ethos headquartered?
Ethos is headquartered in San Francisco, United States. The company operates in the Americas region. The team consists of 201-500 employees. United States is home to 324 financial AI companies tracked by AIFI Map.
Who are Ethos's competitors?
Companies similar to Ethos in the Insurance space include Unit21 ($92M raised), Kaaj ($4M raised), Lendbuzz ($310M raised), Ramp ($2.3B raised), Brex ($1.5B raised). These companies operate in related areas of financial AI: Unit21 focuses on ai-powered fraud and aml platform. Kaaj focuses on agentic ai for small-business lending automation. Lendbuzz focuses on ai auto financing for underserved populations. (Based on AIFI Map classification data.)
What products does Ethos offer?
Ethos builds applications-layer solutions for the financial services industry. The company's core offering: AI-powered instant life insurance. The platform is powered by Predictive ML technology.