{"citations":{"source_mix":{"company_owned":14,"independent":32,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":45,"partial":4},"total_sources":50,"unique_domain_count":27},"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 10-Year Term Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"10-Year Term Life Insurance","subject":"Principal Financial Group","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Principal Financial Group","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Principal Financial Group","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Principal Financial Group","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Principal Financial Group","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Principal Financial Group","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/10-year-term-life-insurance/principal-financial-group.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/10-year-term-life-insurance/principal-financial-group","report_type":"fit_review","study_id":"LICI-STUDY-261BC3DECB91","title":"Principal Financial Group for 10-Year Term 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.","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":"2026-09-20 11:15:31.085688+00","research_date":"2026-09-20","source_snapshot_sha256":"2d219d409d1ca3db76c6e277f6f00f3098a9305083df30d4e089f27f333df17f","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Principal Financial Group is a mixed fit for a healthy nonsmoking mid-30s buyer seeking $500,000 of 10-year term coverage. Two of seven platforms named Principal during the ranking stage — a 28.6% share — at an average listed rank of 4.5 and a best rank of 4. The strongest reason to consider it is a documented Principal Term (10-Year) product with convertible options, a Conversion Extension Rider, accelerated underwriting, and strong insurer financial-strength ratings. The main limitation is unresolved: independent 2026 reviews say Principal exited retail individual life sales in 2021, while…","target_buyer":"A healthy nonsmoking consumer in their mid-30s wants $500,000 of life insurance coverage for 10 years.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive premiums","a reputable insurer","straightforward underwriting","and useful conversion options if available."],"geography":"United States","slug":"best-10-year-term-life-insurance","title":"Best 10-Year Term Life Insurance","use_case":"10-Year Term Life Insurance"}}