Alphabet Inc.

Ethos Technologies Inc. is a technology-driven, direct-to-consumer platform that simplifies access to life insurance. The company utilizes advanced digital underwriting, data analytics, and proprietary technology to provide an online process for consumers to explore, compare, and purchase life insurance policies. Ethos contracts with top-rated insurance carriers to offer life insurance to families across the United States. The company employs multi-channel marketing and advertising campaigns and works with independent third-party agents. Ethos is a licensed agent in 49 states and operates as a third-party administrator (TPA). Its full-stack technology and predictive modeling platform automate the underwriting process, enabling families to obtain same-day coverage. Ethos primarily generates revenue through commission payments from contracted insurance carriers, received both when an initial policy is sold (first year) and when policyholders renew their policies in subsequent years. The company's mission is to protect families by democratizing access to life insurance and empowering agents at scale, achieved through its three-sided technology platform designed for consumers, agents, and carriers.