{"citations":{"source_mix":{"company_owned":11,"independent":30,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":15},"total_sources":45,"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 20-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":"20-Year Term Life Insurance","subject":"Banner 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":"Banner Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Banner Life","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.4285714285714286,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Banner Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/20-year-term-life-insurance/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/20-year-term-life-insurance/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-020F85272D94","title":"Banner Life for 20-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 11:37:59.768258+00","research_date":"2026-09-20","source_snapshot_sha256":"32c0dd935daa809089e2671e26fbda6e0f5e6c24a71f3fc61ac9ca4032caec9c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a good fit for a healthy nonsmoking mid-30s buyer seeking $500,000 of 20-year term coverage through its OPTerm 20 product. All seven platforms that named Banner Life in the ranking stage placed it in their recommendations, with an average listed rank of 1.43 and a best rank of 1. The strongest reason to consider it is a combination of competitive reported pricing for healthy nonsmokers and a conversion option to permanent coverage without new medical underwriting. The main limitation is that no verified personalized quote exists for this exact buyer, and platforms disagree on…","target_buyer":"A healthy nonsmoking consumer in their mid-30s wants $500,000 of life insurance coverage for 20 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-20-year-term-life-insurance","title":"Best 20-Year Term Life Insurance","use_case":"20-Year Term Life Insurance"}}