{"citations":{"source_mix":{"company_owned":18,"independent":20,"unclear":7},"sources_referenced_by_questions":0,"support_mix":{"direct":39,"partial":6},"total_sources":45,"unique_domain_count":28},"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 Indexed Universal Life Insurance for Business Owners","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for Business Owners","subject":"Ethos","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ethos","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Ethos","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Ethos","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Ethos","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-business-owners/ethos.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-business-owners/ethos","report_type":"fit_review","study_id":"LICI-STUDY-93DA3E0E905E","title":"Ethos for Indexed Universal Life Insurance for Business Owners: 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.","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_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 19:20:40.565202+00","research_date":"2026-09-20","source_snapshot_sha256":"33f06cb1a0efe35cd8c997b9c178d068dcdba0258b219fdd626fdb67b8e26f51","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ethos is a mixed fit for business owners seeking indexed universal life insurance. Two of seven platforms named Ethos during the ranking stage, and it finished seventh overall with an average listed rank of 3.5 and a best rank of 1. The strongest reason to consider it is a fast, no-exam digital application for permanent coverage issued by established carrier partners such as Ameritas and North American. The main limitation is that publicly documented coverage caps (roughly $1 million to $2 million depending on product), unclear policy charges, and no documented business-planning design…","target_buyer":"A business owner is considering indexed universal life insurance for long-term needs that may include key-person protection, buy-sell planning, business succession, legacy planning, or cash-value accumulation.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want a financially established carrier","flexible policy design","meaningful permanent coverage","competitive charges","and policy features appropriate for business-related planning."],"geography":"United States","slug":"best-indexed-universal-life-insurance-for-business-owners","title":"Best Indexed Universal Life Insurance for Business Owners","use_case":"Indexed Universal Life Insurance for Business Owners"}}