{"citations":{"source_mix":{"company_owned":12,"independent":27,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":39,"partial":3},"total_sources":43,"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":["anthropic","grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"20-Year Term Life Insurance","subject":"Lincoln Financial","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln Financial","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Lincoln Financial","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lincoln Financial","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":8.666666666666666,"best_rank":7,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Lincoln Financial","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/20-year-term-life-insurance/lincoln-financial.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/20-year-term-life-insurance/lincoln-financial","report_type":"fit_review","study_id":"LICI-STUDY-4850573DE77A","title":"Lincoln Financial 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.","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 11:54:28.971086+00","research_date":"2026-09-20","source_snapshot_sha256":"190cb0d9cf226c6a180bfbafec8f03f8c9543e6f4ce3c9b76ace70c81df48057","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Lincoln Financial is a good fit for a healthy nonsmoking mid-30s buyer seeking $500,000 of 20-year term coverage, but it is not a confirmed best buy. Three of seven platforms named Lincoln Financial during ranking discovery, and all seven evaluated its TermAccel Level Term 20 product. The strongest reason to consider it is the combination of streamlined automated underwriting with possible lab waivers and contractual conversion rights to qualifying Lincoln permanent policies. The main limitation is that Lincoln publishes no buyer-specific premium for this profile, so price competitiveness…","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"}}