{"citations":{"source_mix":{"company_owned":27,"independent":26,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":14},"total_sources":54,"unique_domain_count":25},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Life Insurance After Being Declined","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After Being Declined","subject":"Ethos","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ethos","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ethos","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Ethos","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.333333333333333,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Ethos","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-after-being-declined/ethos.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-being-declined/ethos","report_type":"fit_review","study_id":"LICI-STUDY-3650A23E8DE5","title":"Ethos for Life Insurance After Being Declined: AI Consensus Fit Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-22 12:15:00.422948+00","research_date":"2026-09-22","source_snapshot_sha256":"92ae055a9775be1ab74a0c6ca78ac517a775d350359aa1e9633251fbef50c93b","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ethos is a mixed fit for Life Insurance After Being Declined. Three of seven platforms named Ethos during ranking discovery, and it finished sixth overall with an average listed rank of 4.3 and a best rank of 2. Its strongest use case is guaranteed-issue whole life for eligible older applicants who need small final-expense coverage, plus a second underwriting attempt through simplified-issue or accelerated-underwriting term products. The main limitation is that Ethos is not the insurer, most products still underwrite and can decline, guaranteed-issue coverage is small and age-restricted, and…","target_buyer":"A consumer previously applied for life insurance and was declined by another carrier.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They want to understand which insurers may be worth considering for a new application","recognizing that the reason for the previous decline","current health","medical history","lifestyle","age","and time since the decline can materially affect available options."],"geography":"United States","slug":"best-life-insurance-after-being-declined","title":"Best Life Insurance After Being Declined","use_case":"Life Insurance After Being Declined"}}