San Francisco, California

Overall Rank: 68
Category: Insurtech
Category Rank: 9


  • Top Fintech Company of 2023
  • Top Fintech Company of 2022


Their founders, Peter Colis and Lingke Wang, started Ethos in 2016 with the goal of making life insurance affordable, accessible, and straightforward. The inspiration for Ethos stemmed from a negative experience with traditional life insurance. While Lingke was in college, he was upsold on an expensive life insurance policy he didn’t need and couldn’t afford. The pair eventually realized that Lingke’s experience wasn’t unique. Many Americans don’t know enough about life insurance, or have the right coverage for their families.


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Key Products

Term Life Insurance

Term life insurance features the most straightforward and affordable life insurance option by covering for a set “term” (typically 10 to 30 years). If the holder passes away during the term period, their beneficiaries receive a cash payment.

With multiple term lengths and a wide range of coverage amounts to choose from, customers can select a life insurance policy that works best for them. Every term life insurance policy they offer includes level monthly premiums that never increase over the course of the policy. Product type, benefit amounts, and eligibility may vary by carrier.

Whole Life Insurance

Whole life insurance can last the rest of one’s life with a guaranteed payout for their loved ones.

Age and health issues make it difficult for some to gain access to life insurance. That’s why Ethos offers whole life insurance. It helps loved ones cover expenses such as funeral costs, outstanding debt, and other day-to-day costs.

Key Executives

Peter Colis, Co-Founder, CEO

Peter is passionate about protecting millions of families. Before Co-Founding Ethos, Peter and Co-Founder Lingke started Ovid Corp, an insurance auction platform that was acquired in 2019. He received his MBA from Stanford and enjoys spending time with his family and playing chess.

Lingke Wang, Co-founder, President

As Co-founder and President, Lingke Wang is responsible for software development, company scale and growth. Prior to Ethos, Lingke and Ethos Co-founder Peter Colis started Ovid Corp, an insurance auction platform that was acquired in 2019. Lingke started his career at Morgan Stanley and received his MBA from Stanford University.

Sheila Vashee, Chief Marketing Officer

Sheila Vashee, Chief Marketing Officer, leads and scales the company’s marketing, growth, and brand efforts across B2B and consumer. Prior to Ethos, Sheila was a partner at early stage investing firm Basis Set Ventures and held high-profile marketing and growth roles at Opendoor and Dropbox. She holds an MBA from U.C. Berkeley.

Anan Kashyap, Chief Financial Officer

Anan Kashyap, Chief Financial Officer, is responsible for Ethos’ financial strategy. Prior to Ethos, Anan served as the Chief Financial Officer at Poshmark where he oversaw the company’s growth from a private startup to IPO. His career includes stints at GrubHub, KAYAK, and Deutsche Bank. He holds an MBA from UCLA’s Anderson School of Management.

Vipul Sharma, Chief Technology Officer

Vipul Sharma, Chief Technology Officer, leads Ethos’ technology & strategy. Vipul joined Ethos as VP of Engineering in 2019. Prior, Vipul held engineering leadership positions at Indeed and Eventbrite and founded Simppler, an employee referral platform that was later acquired. He earned an MS in computer science from the University of Houston.

Erin Lantz, Chief Revenue Officer

Erin Lantz, Chief Revenue Officer, leads CX efforts and the sales team. Prior to Ethos, Erin built and scaled operations for Zillow Group and Bank of America. Erin sits on the boards for TrueCar, Inc and Shelter Acquisition Corp. and is an advisor to Qualia Labs. She received her MBA from the Harvard Business School.

Troy Thompson, Chief Actuary

Troy Thompson, Chief Actuary, leads product strategy and actuarial product development to help Ethos transform the way insurance is designed and underwritten. Troy previously served as Chief Actuary at Legal & General America. Troy sits on the boards of Banner Life, and William Penn, and is a Fellow in the Society of Actuaries.

Marty Schafer, Chief Distribution Officer

Marty Schafer, Chief Distribution Officer, leads channel distribution and insurance partnerships with third party life insurance distributors and insurance agents. Prior to Ethos, Marty was an SVP at Crump Life Insurance Services, VP at John Hancock, and co-founded Saybrus Partners, a distribution company.

Customer Insights

“Great experience, very communicative customer service. The process took a little longer than they originally estimated but they continuously updated me and it was still quicker than life insurance application processes I have been through in the past.” – Tara


“My experience with Ethos folks so far has been outstanding. Everyone I have spoken to over the phone was knowledgeable and helpful. Please keep up the good work.” – Saravanan R., California, USA


“I loved working with Ethos. They are professional, timely, honest, and quick to respond to my questions and concerns. I was really pleased with the service I received through working with them. Thanks for helping me get insured, Ethos!” – M.F. Cook


“Ethos stayed in touch regularly during my policy review period and delivered my policy at my originally quoted premium. Nice Job!” – Troy, Illinois, USA


“It was the easiest transaction ever! I loved getting this insurance policy! I still work full time and I saved a lot of time! Excellent!!” – Wendell M.,South Carolina, USA


“Easy, simple, quick” – Peter H., New Jersey, USA


“I got a great amount of insurance, 3x what others offered, for about 1/2 what others are charging.” – Dave L.


“The Ethos process couldn’t be easier and my rates were very competitive. I would highly recommend Ethos Life.” – Leslie


“The application process was seamless. The turnaround time was great. And the monthly premium is more than reasonable. Also the follow-up from direct live agents was a plus.” – Bobby


“This was such a good experience looking at insurance policy options. The experience working with the Ethos team was so simple and easy. In the end I was given options that exceeded my expectations and gave me peace of mind that my wife is in good hands if something happened to me.” – Roger H., Florida, USA


“Quick, honest, and zero stress. Compared to traditional agents, a no-brainer. As advertised!” – Josh


“Ethos Life is the only site you need for Life Insurance. Great rates, and very informative. The sales people are not your typical pushy, high pressure agents. They answer all questions and are very patient. My account executive is terrific ( Thanks Anu Gill ). I’ve dealt with other companies and I’m very happy with Ethos Life 5 Stars!” – Joe S., Pennsylvania, USA


“Easy process!!! Got the life coverage I wanted with no hassles… Highly recommend.” – Jeff M., Georgia, USA


“The opportunity given to me to get life insurance to protect my new mortgage at my age is astounding. I thank your company for this.” – Lloyd B., Texas, USA


“Fabulous experience. Everything went very smooth and the follow up has been terrific. I can’t recommend Ethos enough!” – Linda H., California, USA


“The entire process from application to issuance of policy was seamless and quick. The staff were professional, empathetic and well informed.” – Ron G.

Company Insights

“If you’re looking for a company that rewards hard work and intellect, and you want to be surrounded by smart colleagues, Ethos makes sense for you. Everyone has a voice here.” – Andrew, Ethos Growth Engineering Manager


“Everyday is an opportunity to become involved in a process that directly affects how a customer works with us. We have true ownership in our roles at Ethos, which is really exciting to me.” – Rasheedah, Ethos Customer Support Specialist


“I was drawn to the Ethos team’s passion for their mission—to protect the next million families. I always feel as though my contributions make a difference. Also, everyone I get to work with is amazing!” – Priya, Ethos Software Engineer