Full-Time

Head of Final Expense Sales

Ethos Life

Ethos Life

1,001-5,000 employees

Tech-driven online life insurance provider

Compensation Overview

$119k - $210k/yr

Remote in USA

Remote

Remote within the United States.

Category
Sales & Account Management (1)
Required Skills
Sales
Forecasting
Salesforce
Marketing

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Requirements
  • 8–12+ years of sales leadership experience, with direct ownership of inside sales teams of 30+ in a B2C or high-volume direct-to-consumer environment
  • Proven track record of owning a sales organization — exceeding revenue targets and scaling a business through headcount growth and operational improvement
  • Deep expertise in final expense, whole life, or adjacent protection products strongly preferred; candidates with B2C insurance, insurtech, or high-velocity consumer sales backgrounds will be considered
  • Experience designing and managing agent compensation plans, performance management frameworks, and staffing models at scale
  • Strong analytical operator fluent in forecasting, pipeline management, and modern CRM and telephony systems (Salesforce, Regal, or equivalent); able to translate data into rapid action
  • Excellent coach and developer of talent — track record of building manager capability and creating high-performance team cultures
  • Natural cross-functional partner; skilled at using data and customer insight to influence Product, Marketing, and Operations
  • Thrives in a fast-moving, tech-forward environment with a strong bias for action, high ownership, and a builder's mindset
Responsibilities
  • Lead the Final Expense Sales organization, responsible for managing multiple teams and driving performance
  • Define and own KPIs across production, activity, efficiency, and quality; foster a data-driven performance culture with clear accountability at every level
  • Lead, develop, and scale a high-performing team of licensed agents and managers — hiring top talent, building career paths, and maintaining a culture of performance
  • Build and continuously improve sales playbooks, scripts, and sales motions tailored to the Final Expense customer
  • Develop coaching programs across call reviews, shadowing, certifications, and performance improvement plans for both managers and agents
  • Partner with Product and Marketing teams to develop shared test and experimentation roadmaps
  • Set and manage staffing plans in partnership with Finance and Marketing, ensuring coverage, ramp capacity, and productivity targets are met
  • Design and evolve compensation plans that align agent and manager incentives with business outcomes

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 Jobs

Simplify's Take

What believers are saying

  • Q2 2026 revenue hit $189.6 million, up 113%, with 107,847 policies activated.
  • Ethos raised 2026 revenue guidance to $727 million-$731 million after Q2 strength.
  • Board authorized a $100 million buyback on August 3, 2026, showing cash confidence.

What critics are saying

  • Average revenue per unit fell 8% in Q2 2026, signaling mix pressure.
  • Liberty Mutual deal has no exclusivity, inviting carrier partners to copy Ethos.
  • Carrier dependence threatens Ethos if Legal & General America or partners tighten underwriting or pricing.

What makes Ethos Life unique

  • Ethos' underwriting engine delivers no-exam approvals in minutes, unlike legacy life carriers.
  • Ethos sells through consumers, agents, and carriers, giving it three distribution rails.
  • Liberty Mutual and Banner Life validated Ethos' white-label platform in 2026.

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Benefits

Remote Work Options

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

-1%

2 year growth

0%
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.

Yahoo Finance
Mar 3rd, 2026
Citi raises Ethos Technologies price target to $16 on strong Q4 revenue of $110M

Citi has raised its price target on Ethos Technologies Inc. to $16 from $15, maintaining a Buy rating following the company's strong Q4 results. The bank cited sustained operational momentum and acceleration continuing into Q1. Ethos reported Q4 revenue of $110.1 million, beating consensus estimates of $108.32 million, with 65% year-over-year growth. The digital life insurance platform reached 500,000 activated policies, a key milestone for adoption. The company projects fiscal 2026 revenue between $510 million and $514 million, representing approximately 32% year-over-year growth, with adjusted EBITDA of $99 million to $103 million. Founded in 2016, the Austin-based company uses AI and data science to modernise life insurance distribution through a no-medical-exam application process.