{"citations":{"source_mix":{"company_owned":15,"independent":25,"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 10-Year Term Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"10-Year Term Life Insurance","subject":"SBLI","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"SBLI","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"SBLI","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"SBLI","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":"SBLI","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"SBLI","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/10-year-term-life-insurance/sbli.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/10-year-term-life-insurance/sbli","report_type":"fit_review","study_id":"LICI-STUDY-0AC500AA1807","title":"SBLI 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 11:13:30.582131+00","research_date":"2026-09-20","source_snapshot_sha256":"073255ce9e34c8f5681d0e5ccfb4e4df27dcac207b5ac887f8bc8267b7379b68","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"SBLI is a good fit for a healthy nonsmoking mid-30s buyer seeking $500,000 of 10-year term coverage, with one platform rating it strong and five rating it good, while one called it uncertain. Two of the seven platforms named SBLI during the ranking stage (deepseek and kimi), so its inclusion rests on a minority of platform responses. The strongest reason to consider SBLI is the combination of a dedicated 10-year level-premium product, accelerated underwriting eligibility for ages 18–50, and conversion to permanent coverage without a new medical exam before age 70 or term end. The main…","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"}}