{"citations":{"source_mix":{"company_owned":18,"independent":24,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":13},"total_sources":43,"unique_domain_count":21},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best No-Exam Term Life Insurance for $1 Million in Coverage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi"],"predicate":"final_consensus_rank","qualifier":"No-Exam Term Life Insurance for $1 Million in Coverage","subject":"Ethos","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ethos","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Ethos","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ethos","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.25,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Ethos","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/no-exam-term-life-insurance-for-1-dollar-million-in-coverage/ethos.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/no-exam-term-life-insurance-for-1-dollar-million-in-coverage/ethos","report_type":"fit_review","study_id":"LICI-STUDY-E70DEAA51825","title":"Ethos for No-Exam Term Life Insurance for $1 Million in Coverage: 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":"2026-09-21 13:15:39.338568+00","research_date":"2026-09-20","source_snapshot_sha256":"7e8a7b86492419e54ce740c4fec52a3b562793ebb312c2e82505843b24324e2d","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ethos is a good fit for a healthy nonsmoking 40-year-old who wants $1 million of 20-year term coverage without a traditional medical exam. Four of the seven platforms in this study named Ethos during the ranking stage — a 57% share — and all seven that evaluated fit rated it good or strong. Its strongest advantage is a fully digital accelerated-underwriting path that advertises up to $3 million of no-exam term coverage, comfortably above the $1 million requested. The main limitation is price transparency: no platform could verify an applicant-specific premium for this exact profile, and one…","target_buyer":"A healthy nonsmoking 40-year-old wants $1 million of 20-year term life insurance but strongly prefers to qualify without completing a traditional medical examination.","topic":{"base_category":"Term Life Insurance","category_criteria":["They are comfortable with accelerated underwriting","health questions","and electronic health or prescription-data review. They want competitive premiums","a reputable carrier","and an efficient application process."],"geography":"United States","slug":"best-no-exam-term-life-insurance-for-1-million-in-coverage","title":"Best No-Exam Term Life Insurance for $1 Million in Coverage","use_case":"No-Exam Term Life Insurance for $1 Million in Coverage"}}