{"citations":{"source_mix":{"company_owned":21,"independent":23,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":11},"total_sources":44,"unique_domain_count":24},"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-Medical-Exam Term Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"No-Medical-Exam Term Life Insurance","subject":"Ethos","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ethos","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Ethos","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ethos","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Ethos","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/no-medical-exam-term-life-insurance/ethos.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/no-medical-exam-term-life-insurance/ethos","report_type":"fit_review","study_id":"LICI-STUDY-F1832DF220C4","title":"Ethos for No-Medical-Exam 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":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 12:14:16.609057+00","research_date":"2026-09-20","source_snapshot_sha256":"21a31cc73ebec4e7a2456eb964441e6a3a35a94a81beeafb0bc37b7eb99c6833","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ethos is a good fit for a healthy U.S. buyer who wants No-Medical-Exam Term Life Insurance and is comfortable with accelerated underwriting using health questions plus electronic data. Five of seven platforms named Ethos during the ranking stage, and all seven evaluated its fit — six rated it \"strong\" or \"good.\" The strongest reason to consider it is a fast online application with instant or same-day decisions for many applicants and coverage advertised up to $3 million for younger ages. The main limitation is that \"no exam\" is not absolute: some applicants may still be asked for an exam or…","target_buyer":"A healthy consumer wants term life insurance without undergoing a traditional paramedical examination involving blood or urine testing.","topic":{"base_category":"Term Life Insurance","category_criteria":["They are comfortable answering health questions and allowing the insurer to use available electronic health","prescription","or consumer data for underwriting. They want competitive pricing","meaningful coverage amounts","a reputable carrier","and an efficient application process."],"geography":"United States","slug":"best-no-medical-exam-term-life-insurance","title":"Best No-Medical-Exam Term Life Insurance","use_case":"No-Medical-Exam Term Life Insurance"}}