{"citations":{"source_mix":{"company_owned":17,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":28,"partial":7},"total_sources":36,"unique_domain_count":20},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best 30-Year Term Life Insurance","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"30-Year Term Life Insurance","subject":"Ethos","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Ethos","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ethos","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Ethos","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Ethos","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/30-year-term-life-insurance/ethos.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/30-year-term-life-insurance/ethos","report_type":"fit_review","study_id":"LICI-STUDY-37865668A2C4","title":"Ethos for 30-Year Term Life Insurance: 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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","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":"2026-09-20 11:54:28.971086+00","research_date":"2026-09-20","source_snapshot_sha256":"0d8489c4191e38be2b9fb47ec66c400200aef72bb812f33d56fe852d082dde94","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ethos is a mixed fit for a healthy nonsmoker in their mid-30s seeking $500,000 of 30-year term coverage. Two of six platforms named Ethos during the ranking stage, giving it a 33% share of included platform responses, an average listed rank of 7.0, and a best listed rank of 6. The strongest reason to consider Ethos is its fast, generally no-exam digital application with access to established partner carriers rated A or A+ by AM Best. The main limitation is pricing: independent analyses place Ethos term premiums 16% to 48% above the national average, and conversion availability is disputed…","target_buyer":"A healthy nonsmoking consumer in their mid-30s wants $500,000 of life insurance coverage for 30 years.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive premiums","a reputable insurer","straightforward underwriting","and useful conversion options if available."],"geography":"United States","slug":"best-30-year-term-life-insurance","title":"Best 30-Year Term Life Insurance","use_case":"30-Year Term Life Insurance"}}