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The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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":"2026-09-21 12:56:03.955596+00","research_date":"2026-09-20","source_snapshot_sha256":"e516e0e688c4db9ccf2937534187d1086661c038e035ef10517c017b05435f80","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ethos is the consensus leader for instant-decision term life insurance in this 7-platform study, named by all seven platforms (100.0% share) at an average listed position of 2.0. Nationwide (6 mentions, 85.7%), Banner Life (5 mentions, 71.4%), Symetra (5 mentions, 71.4%), and Ladder Life (4 mentions, 57.1%) are the strongest alternatives for buyers with distinct needs: Nationwide for a fully online no-exam path capped at $1.5 million, Banner Life for high no-exam limits up to $5 million, Symetra for the fastest stated instant path, and Ladder for coverage flexibility. Ten carriers qualified…","target_buyer":"A healthy consumer places a high priority on obtaining a term life insurance decision very quickly through an online or highly automated application process.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want a reputable carrier","meaningful coverage","transparent underwriting requirements","competitive pricing","and the possibility of approval without a traditional medical exam when eligible."],"geography":"United States","slug":"best-instant-decision-term-life-insurance","title":"Best Instant-Decision Term Life Insurance","use_case":"Instant-Decision Term Life Insurance"}}