{"citations":{"source_mix":{"company_owned":27,"independent":11,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":7},"total_sources":42,"unique_domain_count":14},"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 for Obesity","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Obesity","subject":"Ethos","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ethos","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ethos","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Ethos","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":8.25,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Ethos","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-obesity/ethos.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-obesity/ethos","report_type":"fit_review","study_id":"LICI-STUDY-4DD3ABDAA5FF","title":"Ethos for Life Insurance for Obesity: 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 06:15:25.459226+00","research_date":"2026-09-22","source_snapshot_sha256":"6b3966894ca0e8976b3b08c178d7a39c9f8f7cba1b9f1dc73da1210406cc2993","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":14,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ethos is a good, but not definitive, fit for Life Insurance for Obesity. Four of the seven platforms in this study named Ethos during ranking discovery, and those four placed it at an average listed rank of 8.25 (best rank 6). The strongest reason to consider Ethos is its no-exam, digital simplified-issue term product: it explicitly states that high BMI does not automatically disqualify an applicant and that underwriting weighs overall health rather than weight alone (, , , kimi:eth1, ). The main limitation is that Ethos does not publish carrier-specific BMI cutoffs, and independent evidence…","target_buyer":"A consumer with a high body mass index wants life insurance and understands that insurers may evaluate height and weight differently and may also consider blood pressure, diabetes, cholesterol, mobility, sleep apnea, and other related health factors.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["Life insurance and understands that insurers may evaluate height and weight differently and may also consider blood pressure","diabetes","cholesterol","mobility","sleep apnea","and other related health factors."],"geography":"United States","slug":"best-life-insurance-for-obesity","title":"Best Life Insurance for Obesity","use_case":"Life Insurance for Obesity"}}