Brandt Walter Kucharski - 28 Jan 2026 Form 3 Insider Report for Ethos Technologies Inc. (LIFE)

Role: Chief Accounting Officer
Signature: /s/ Porter Nolan, Attorney-in-Fact
Issuer symbol: LIFE
Transactions as of: 28 Jan 2026
Net transactions value: $0
Form type: 3
Filing time: 28 Jan 2026, 20:43:04 UTC
Previous filing: 26 Jul 2021
Next filing: 30 Jan 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Kucharski Brandt Walter	Chief Accounting Officer	C/O ETHOS TECHNOLOGIES INC., 1606 HEADWAY CIRCLE #9013, AUSTIN	/s/ Porter Nolan, Attorney-in-Fact	28 Jan 2026	0001784900

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
holding	LIFE	Class A Common Stock						198,149	28 Jan 2026	Direct	F1, F2, F3, F4, F5

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Includes 82,070 shares issuable upon settlement of restricted stock units ("RSUs"). The vesting of the RSU is contingent upon both (i) a service-based requirement (the "Service Milestone") and (ii) a liquidity event-based requirement (the "Liquidity Event Milestone"). If both the Service Milestone and the Liquidity Event Milestone are achieved, 25% of the shares subject to the RSU vest on November 15, 2022 and the remainder shall vest quarterly over the following 36 months. The Liquidity Event Milestone was satisfied upon the effectiveness of the Issuer's registration statement on Form S-1 in connection with the Issuer's initial public offering of its Class A Common Stock (the "IPO").
F2	Includes 49,357 shares issuable upon settlement of RSUs. If both the Service Milestone and the Liquidity Event Milestone are achieved, the shares subject to the RSU vest quarterly over the 48 months following August 15, 2022. The Liquidity Event Milestone was satisfied upon the effectiveness of the Issuer's registration statement on Form S-1 in connection with the IPO.
F3	Includes 5,000 shares issuable upon settlement of RSUs. If both the Service Milestone and the Liquidity Event Milestone are achieved, the shares subject to the RSU vest quarterly over the 48 months following August 15, 2023. The Liquidity Event Milestone was satisfied upon the effectiveness of the Issuer's registration statement on Form S-1 in connection with the IPO.
F4	Includes 21,429 shares issuable upon settlement of RSUs. If both the Service Milestone and the Liquidity Event Milestone are achieved, the shares subject to the RSU vest quarterly over the 48 months following February 15, 2024. The Liquidity Event Milestone was satisfied upon the effectiveness of the Issuer's registration statement on Form S-1 in connection with the IPO.
F5	Includes 40,229 shares issuable upon settlement of RSUs. If both the Service Milestone and the Liquidity Event Milestone are achieved, the shares subject to the RSU vest quarterly over the 48 months following November 15, 2025. The Liquidity Event Milestone was satisfied upon the effectiveness of the Issuer's registration statement on Form S-1 in connection with the IPO.