{"citations":{"source_mix":{"company_owned":12,"independent":20,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":9},"total_sources":34,"unique_domain_count":17},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Term Life Insurance for $250,000 in Coverage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $250,000 in Coverage","subject":"Ethos","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ethos","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.6,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Ethos","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-2-dollar-50-000-in-coverage/ethos.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-2-dollar-50-000-in-coverage/ethos","report_type":"fit_review","study_id":"LICI-STUDY-4F52CC697D31","title":"Ethos for Term Life Insurance for $250,000 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.","6 of 7 included platforms returned a usable fit assessment; disclose this as a methodology limitation and do not describe the fit findings as unanimous, 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.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","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_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 13:33:54.365588+00","research_date":"2026-09-20","source_snapshot_sha256":"f329dfc91c5360713937473e3ed1d58ef737a4e3cb3c6376947319ff14ede880","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 nonsmoking 40-year-old seeking $250,000 of 20-year term coverage who prioritizes a fast, digital application and possible no-exam underwriting, but it is not clearly the cheapest or most flexible option. Five of the seven included platforms named Ethos during ranking discovery, and six returned a usable fit assessment. The strongest reason to consider it is a streamlined online process backed by an established issuing carrier, with published $250,000 sample pricing. The main limitation is that the exact premium, issuing carrier, and policy flexibility for…","target_buyer":"A healthy nonsmoking 40-year-old wants $250,000 of term life insurance coverage for 20 years.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive premiums","straightforward underwriting","a reputable carrier","and reasonable policy flexibility."],"geography":"United States","slug":"best-term-life-insurance-for-250-000-in-coverage","title":"Best Term Life Insurance for $250,000 in Coverage","use_case":"Term Life Insurance for $250,000 in Coverage"}}