{"citations":{"source_mix":{"company_owned":12,"independent":23,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":7},"total_sources":35,"unique_domain_count":22},"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":["deepseek","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"20-Year Term Life Insurance","subject":"Ladder","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ladder","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ladder","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Ladder","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":8,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Ladder","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/20-year-term-life-insurance/ladder.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/20-year-term-life-insurance/ladder","report_type":"fit_review","study_id":"LICI-STUDY-73A338383A2F","title":"Ladder 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.","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 11:52:07.505258+00","research_date":"2026-09-20","source_snapshot_sha256":"ced0b6d6d1e392845bc1777ff89416fa7e0c8f36782d912651a28e88c752cb7e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ladder is a good fit for a healthy nonsmoking mid-30s buyer seeking $500,000 of 20-year term coverage, according to six of the seven AI platforms that evaluated it for this use case; one platform rated it mixed. Three of the seven platforms named Ladder during the ranking stage, at an average listed rank of 8.0 and a best rank of 4. The strongest reason to consider it is a fast, fully digital application with no medical exam generally required up to $3 million, plus fixed premiums and free coverage reductions. The main limitation is that independent reviews consistently report no conversion…","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"}}