{"citations":{"source_mix":{"company_owned":16,"independent":18,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":19,"partial":15},"total_sources":34,"unique_domain_count":18},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Term Life Insurance for Parents With Young Children","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for Parents With Young Children","subject":"Ethos Life","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Ethos Life","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Ethos Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ethos Life","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Ethos Life","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-parents-with-young-children/ethos-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-parents-with-young-children/ethos-life","report_type":"fit_review","study_id":"LICI-STUDY-70C05F47C2BA","title":"Ethos Life for Term Life Insurance for Parents With Young Children: 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":["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":"2026-09-20 14:45:58.911364+00","research_date":"2026-09-20","source_snapshot_sha256":"4d46c0331f47b19be2d5b962e654d0ce721926093840ae04763775bde07d4cb3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ethos Life is a good fit for parents with young children who prioritize a fast, fully online, often no-exam term life application and want level premiums that can span the years their children are financially dependent. Two of the six platforms in this study named Ethos Life during the ranking stage, with an average listed rank of 4.0 and a best rank of 1. The strongest reason to consider it is convenience: 10-, 15-, 20-, and 30-year level term coverage with simplified underwriting and, per company materials, a child term rider option. The main limitation is that Ethos is not clearly the…","target_buyer":"Parents with young children want term life insurance designed to protect their family during the years when their children are financially dependent on them.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want enough coverage to replace income","help pay household expenses and education costs","and remain in force through the children's dependent years while keeping premiums affordable."],"geography":"United States","slug":"best-term-life-insurance-for-parents-with-young-children","title":"Best Term Life Insurance for Parents With Young Children","use_case":"Term Life Insurance for Parents With Young Children"}}