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Ethos Life

Tech-driven online life insurance provider

Principal Product Designer

Full-Time
$165k - $292k+ Bonus + Equity
Expert
Remote in USA
RemotePreference for the Eastern Time Zone.
Product & Experience DesignProduct Design

About the job

Requirements
  • At least 10 years of Product Design experience.
  • At least 2 years of experience at a venture-funded private startup.
  • At least 2 years in a role influencing others’ work through direct management or indirect leadership.
  • Demonstrable impact raising the bar for design practices and organizational output.
  • The majority of experience should be in-house working on direct-to-consumer products.
  • Experience in high-velocity, high-ambiguity, experiment-driven environments; Growth Product/Design experience is ideal.
  • Experience with high-consideration consumer flows where storytelling and design craft influence product performance.
  • Ability to articulate the reasoning behind design decisions, with work demonstrating intentionality and rigorous thinking.
  • A strong portfolio demonstrating high-quality work, including interaction details, storytelling, visual polish, and content design.
  • Experience leading projects end-to-end, from discovery, problem definition, ideation, and validation through engineering implementation and measurement.
  • Experience improving flows and launching 0-to-1 products.
  • Ability to detect process and misalignment issues quickly and work to alleviate them.
Responsibilities
  • Lead design strategy across multiple business units, including all aspects of design craft.
  • Help set the vision for the overall user experience.
  • Direct and guide the work of other designers.
  • Build new products and iterate on existing products.
  • Manage executive stakeholders across engineering, product, marketing, and other functions.
  • Drive improvements to the product development process with cross-functional partners.
Desired Qualifications
  • Preference for the Eastern Time Zone.

About the company

Ethos Life offers online life insurance with a focus on simplicity and speed. What it does: Ethos provides term and whole life policies through an online platform, using partner carriers to issue coverage. How it works: Potential customers receive instant online quotes and can apply without a medical exam; the platform asks health and lifestyle questions to assess risk, with many applications approved in minutes. Revenue model: Ethos earns commissions on policies sold by its partner carriers. Value adds: Complimentary estate planning tools such as free wills and estate plans for eligible policyholders. How it differs from competitors: It eliminates medical exams, provides a fully online application process, and adds estate planning resources, positioning itself as a tech-driven, customer-friendly alternative in life insurance. The goal: Make life insurance easy to obtain and affordable for individuals and families while providing quick coverage and helpful planning tools.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Austin, Texas

Founded

2016

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Simplify's Take

What believers are saying

  • Q2 2026 revenue hit $190 million, up 113%, with over 700,000 activated policies.
  • Liberty Mutual's 2026 partnership validates Ethos as a white-label infrastructure vendor for incumbents.
  • Ethos authorized a $100 million buyback on August 2, 2026, signaling cash generation confidence.

What critics are saying

  • Ethos' lower-margin third-party channel grew 90% in Q2 2026, compressing second-half profitability.
  • ClassAction.org still tracks Ethos privacy claims over Meta tracking; discovery threatens reputational damage.
  • A carrier or regulator action against Ethos' underwriting data use could cripple its platform credibility.

What makes Ethos Life unique

  • Ethos' underwriting engine powers instant no-exam decisions for carriers like Liberty Mutual and Banner.
  • Ethos sells through consumer, agent, and carrier channels, widening distribution beyond direct-to-consumer insurtech.
  • Ethos launched two Banner Life whole-life products in March 2026, reaching 12 products.

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Benefits

  • Remote Work Options

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
U.S. Securities and Exchange Commission
Oct 20th, 2026
424B4

This is an initial public offering of shares of Class A common stock of Ethos Technologies Inc. We are offering 5,127,696 shares of Class A common stock and the selling stockholders identified in this prospectus are offering an additional 5,398,619 shares of Class A common stock. We will not receive any proceeds from the sale of shares of Class A common stock by the selling stockholders.

Yahoo Finance
Aug 4th, 2026
Ethos Technologies Q2 revenue soars 113% to $190M with over 700,000 activated policies

Ethos Technologies reported second-quarter 2026 revenue of $190 million, marking 113% year-over-year growth. This represents the company's second consecutive quarter of exceeding 100% growth. The firm activated over 100,000 new policies during the three-month period, bringing its cumulative total above 700,000 policies. Its third-party channel revenue grew 90% year-over-year to $73 million. Adjusted EBITDA reached $35 million, contributing to a Rule of 40 score of 132. However, the company expects margin compression in the second half due to higher third-party channel revenue, which carries lower margins than its direct channel. Ethos raised its full-year 2026 revenue guidance to $727–731 million, representing 88% annual growth. The company also authorised a $100 million share repurchase programme.

Yahoo Finance
May 13th, 2026
US market climbs 31% as growth companies with insider influence eye 16% annual earnings surge

The US market has risen 3.2% over the past week and 31% over the past year, with earnings projected to grow 16% annually. Growth companies with high insider ownership are attracting attention due to strong internal alignment and long-term commitment. Webull Corporation, with approximately $4 billion market capitalisation, has announced a $100 million share repurchase programme. The company showed 45.1% revenue growth over the past year and expects 21.6% annual growth ahead, whilst expanding services including zero-commission trading in Canada. Ethos Technologies, valued at $1.45 billion, reported revenue growth to $193.1 million from $94.89 million year-over-year despite a recent quarterly loss. The company launched a ChatGPT app for life insurance estimates and expanded partnerships with Liberty Mutual and Banner Life Insurance.

Associated Press
Apr 23rd, 2026
Liberty Mutual partners with Ethos for digital-first life insurance platform

Ethos, a life insurance technology company, has partnered with Liberty Mutual Insurance to expand the insurer's direct-to-consumer life insurance offering. Liberty Mutual will use Ethos' underwriting engine and digital platform to deliver a white-labelled, end-to-end digital life insurance experience requiring no medical exam. The collaboration combines Liberty Mutual's established brand with Ethos' technology to provide instant coverage decisions through a streamlined digital process. Customers can qualify for and purchase coverage with just a few health questions via Liberty Mutual's website and distribution partners. The partnership aims to make life insurance more accessible and affordable for American families. Ethos, which is publicly traded on Nasdaq under the ticker LIFE, has raised $295 million to date and operates a three-sided technology platform serving consumers, agents and carriers.

Yahoo Finance
Mar 24th, 2026
Ethos and Banner Life launch two whole life insurance products in under five months

Ethos Technologies has expanded its partnership with Banner Life Insurance Company to offer two new Ethos-branded whole life insurance products: Simplified Issue Whole Life and Guaranteed Issue Whole Life. The products will be available through Ethos' technology platform, extending the company's final expense solutions to more families. The collaboration moved from concept to market launch in under five months. Ethos now offers 12 products through its platform, working with carriers including Banner Life, TruStage Financial Group, Ameritas Life Insurance, Protective, North American Sammons and Aflac. The new whole life products will initially be available through select agencies and aim to help families cover end-of-life and other expenses. Both companies emphasised their shared commitment to closing the US life insurance coverage gap through more accessible and affordable solutions.