{"citations":{"source_mix":{"company_owned":12,"independent":27,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":13},"total_sources":40,"unique_domain_count":26},"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","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"10-Year Term Life Insurance","subject":"Transamerica","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Transamerica","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Transamerica","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Transamerica","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.25,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Transamerica","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/10-year-term-life-insurance/transamerica.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/10-year-term-life-insurance/transamerica","report_type":"fit_review","study_id":"LICI-STUDY-5AFAAB20CCE7","title":"Transamerica 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 11:06:35.863371+00","research_date":"2026-09-20","source_snapshot_sha256":"99fbecc31caf505f423dc4dba9bd17260a64c9c8b3e5fe8f1ae7b5b009a45ce2","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Transamerica is a good, but not clearly best, fit for a healthy nonsmoking consumer in their mid-30s seeking $500,000 of 10-year term coverage. Four of seven platforms named Transamerica during the ranking stage, with an average listed rank of 3.25 and a best rank of 2. The strongest reason to consider it is the Trendsetter Super 10-year term product, which combines level premiums for the initial 10-year period, possible accelerated or nonmedical underwriting, and a conversion privilege to permanent coverage without a new medical exam. The main limitation is that no public source supplied a…","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"}}