{"citations":{"source_mix":{"company_owned":19,"independent":22,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":19,"partial":7},"total_sources":41,"unique_domain_count":21},"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":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"10-Year Term Life Insurance","subject":"Protective Life","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Protective Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Protective Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.2857142857142856,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Protective Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/10-year-term-life-insurance/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/10-year-term-life-insurance/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-FC0DCABFAF18","title":"Protective Life 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.","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":"2026-09-20 11:01:38.173659+00","research_date":"2026-09-20","source_snapshot_sha256":"575b629c6110c2d0a2d71805e4ca663b7918710455da202f3ec3f8f1ee5e625e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a good fit for a healthy nonsmoking mid-30s buyer seeking $500,000 of 10-year term coverage, according to the AI platforms reviewed. All seven platforms named Protective Life during the ranking stage, and it finished first overall with an average listed rank of 3.29. The strongest reason to consider it is the combination of a matching 10-year level-term product (Protective Classic Choice Term), reported below-average term rates, and a conversion feature that can allow a move to permanent coverage without new medical underwriting. The main limitation is that no platform…","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"}}