LIFE (Ethos Technologies) Moat Score: 3/10 (As of Sep. 09, 2026)

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LIFE Ethos Technologies Inc LIFE
22 GF Score
Price $39.08
! 4 Warning Signs
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What is Ethos Technologies Moat Score?

Ethos Technologies LIFE -6.89% 22 Moat Score is 3 as of Sep. 09, 2026. GuruFocus rates LIFE with a GF Score™ of 22/100. The stock has 4 warning signs investors should review. Among 588 Insurance companies, Ethos Technologies ranks better than 72.28% on this metric.

Ethos Technologies has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Ethos Technologies has No Moat: Ethos Technologies Inc operates in a competitive tech sector with no significant market leadership or unique advantages. The lack of strong brand strength or regulatory barriers results in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ethos Technologies might have No Moat - Very weak/transient advantages.

Ethos Technologies  (NAS:LIFE) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ethos Technologies Moat Score Related Terms

LIFE vs GSHD, CRVL, ARX: Moat Score Comparison

For the Insurance Brokers subindustry, Ethos Technologies's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Ethos Technologies Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Ethos Technologies's Moat Score distribution charts can be found below:

* The bar in red indicates where Ethos Technologies's Moat Score falls into.


LIFE
22GF Score
Ethos Technologies Inc LIFE
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Ethos Technologies (LIFE) has a Moat Score of 3 as of Sep. 09, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Ethos Technologies ranks #163 out of 588 companies in the Insurance industry, placing it in the top 27.7%.
Is Ethos Technologies' Moat Score too high?
Ethos Technologies' current Moat Score is 3. Based on the distribution chart, Ethos Technologies ranks #163 out of 588 companies in the Insurance industry, which is above the industry midpoint. Overall, Ethos Technologies has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Ethos Technologies' Moat Score compare to GSHD and CRVL?
According to the Insurance industry distribution chart, Ethos Technologies ranks #163 out of 588 companies for Moat Score. This puts Ethos Technologies in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Ethos Technologies's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ethos Technologies stock overvalued right now?
Ethos Technologies (LIFE) has a current Moat Score of 3. The current Moat Score is 3. Ethos Technologies' overall GF Score™ is 22/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Ethos Technologies (LIFE), the current Moat Score is 3 as of Sep. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Ethos Technologies Business Description

Address 90 New Montgomery Street, Suite 1500, San Francisco, CA, USA, 94105
Ethos Technologies Inc operates a technology-driven, direct-to-consumer platform for the distribution of life insurance products. Through its digital underwriting, data analytics, and proprietary technology, it enables consumers to explore, compare, and purchase life insurance policies online. The platform serves consumers, agents, and insurance carriers, and supports the application and policy issuance process through an online interface. The company works with insurance carriers to offer life insurance products in the United States through digital channels and independent agents. It generates revenue through commissions paid by carriers from policies activated and sold through its platform as well as from the provision of third-party administrator services for such policies.
22GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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