{"citations":{"source_mix":{"company_owned":25,"independent":15,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":36,"partial":7},"total_sources":43,"unique_domain_count":25},"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 Companies Overall","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance","subject":"Ethos","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ethos","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Ethos","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ethos","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Ethos","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Ethos","unit":"platforms","value":1},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Ethos","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Ethos","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance/ethos.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance/ethos","report_type":"fit_review","study_id":"LICI-STUDY-0DBB7C03B514","title":"Ethos for Indexed Universal 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 17:35:24.228836+00","research_date":"2026-09-20","source_snapshot_sha256":"210db3ca18f72caa714523d228052128f8c24d98ba86282b6966ac351fd24bad","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ethos is a mixed fit for Indexed Universal Life Insurance. Three of seven platforms named Ethos during the ranking stage — a 43% share — and it reached the top spot on two of those lists, but one platform (DeepSeek) concluded Ethos likely does not offer IUL at all. The strongest reason to consider Ethos is access to permanent, index-linked coverage through A-rated partner carriers such as Ameritas and North American, with a digital no-exam application and a 30-day money-back guarantee. The main limitation is that Ethos is a broker, not the issuing insurer: caps, participation rates, charges,…","target_buyer":"A consumer wants indexed universal life insurance that provides permanent death-benefit protection, flexible premiums, and cash-value growth tied to the performance of one or more market indexes subject to policy caps, participation rates, floors, charges, and other policy terms.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want a financially established carrier","competitive policy design","strong long-term value","and clear illustrations."],"geography":"United States","slug":"best-indexed-universal-life-insurance-companies-overall","title":"Best Indexed Universal Life Insurance Companies Overall","use_case":"Indexed Universal Life Insurance"}}