What LLMs cite
direct to consumer life insurance vs agent cost comparison
From recent prompt runs · United States · Updated November 3, 2026
GEOGrow tested this high-intent customer question across Gemini, ChatGPT, Perplexity, and Claude. Rankings below show which companies appeared most often in those responses — not who is independently the best.
Top brand
Ladder Life
Leads across all key metrics
AI engines mentioning
4 of 4
Ladder Life appears in 4 of 4 AI engines
#1 recommendations
2
Ladder Life was the #1 recommendation twice.
AI answer share
100%
Ladder Life appears in 100% of answers in our tests
Top AI Answers
Which companies appear most often in AI responses?
Updated November 3, 2026
| # | Company | AI engines mentioning | #1 recommendations | AI answer share |
|---|---|---|---|---|
| 1 | Ladder Life Claim your company | 4 of 4 | 2 | 100% |
| 2 | Haven Life Claim | 3 of 4 | 2 | 75% |
| 3 | Bestow Claim | 4 of 4 | 0 | 100% |
| 4 | Ethos Life Claim | 2 of 4 | 0 | 50% |
| 5 | Northwestern Mutual Claim | 3 of 4 | 0 | 75% |
| 6 | Ethos Claim | 1 of 4 | 0 | 25% |
| 7 | New York Life Claim | 2 of 4 | 0 | 50% |
| 8 | Policygenius Claim | 2 of 4 | 0 | 50% |
What Each AI Recommended
Recent answer snapshots by engine.
ChatGPT
Gemini
- 1. Ladder Life
- 2. Ethos Life
- 3. Bestow
- 4. Northwestern Mutual
- 5. New York Life
- 6. State Farm
+5 more in this answer
Perplexity
- 1. Ladder Life
- 2. Bestow
- 3. Haven Life
- 4. Northwestern Mutual
- 5. Nationwide
- 6. Select Quote
+5 more in this answer
Claude
- 1. Haven Life
- 2. Bestow
- 3. Ladder Life
- 4. Ethos Life
- 5. Policygenius
- 6. Northwestern Mutual
+15 more in this answer
What LLMs cite
Sources cited in the most recent prompt runs for this question. The mix varies by engine.
- evolvelegacygroup.com Life Insurance Broker vs. Direct vs. Agent — Which Is Best?
- moneygeek.com What Is Direct Term Life Insurance? Definition, Pros & Cons
- clearsurance.com Buying Insurance Direct vs. Through an Agent in 2026 (Side-by- ...
- reddit.com Insurance Question - Broker vs. Direct to company? - Reddit
- selectquote.com Life Insurance Broker vs Agent: What's the Difference?
- trailstoneinsurance.com Insurance Myths Busted: Direct Carriers vs. Independent Agents
- accuquote.com Broker vs. Direct: Who Has the Lowest Rates?
- bestow.com Bestow - Online Term Life Insurance
Who's Winning in AI?
AI Leaderboard · Based on this buyer question
Ladder Life currently leads this conversation. AI visibility leadership is valuable — but competitive markets shift fast.
Ladder Life currently leads this conversation.
- #1 Ladder Life 100%
- #2 Haven Life 75%
- #3 Bestow 100%
- #4 Ethos Life 50%
- #5
- #6 Ethos 25%
- #7 New York Life 50%
- #8 Policygenius 50%
Get ahead of the competition
Defend this answer before competitors close the gap.
Multiple businesses already appear in this answer set. Claim your company, improve your visibility, and compete for the recommendations students and institutions will actually see.
Leading in AI is an advantage — keeping it is the strategy.
Turn current visibility into durable pipeline with GEOGrow.
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How We Measure AI Answer Share
AI Answer Tracker by GEOGrow measures how companies appear when high-intent customer questions are asked across supported AI platforms. Results are observational snapshots and can vary by model, location, personalization, source availability, and date.
AI Answer Share is weighted recommendation appearances divided by all possible recommendation opportunities. Rankings shown here represent the responses collected during the stated research period and are not endorsements by GEOGrow. Method: 4 independent AI observations.
- Question tested
- direct to consumer life insurance vs agent cost comparison
- Market
- United States
- AI engines
- Gemini, ChatGPT, Perplexity, and Claude
- Research date
- November 3, 2026