{"citations":{"source_mix":{"company_owned":17,"independent":32,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":39,"partial":10},"total_sources":49,"unique_domain_count":23},"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","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"20-Year Term Life Insurance","subject":"Nationwide","unit":"rank","value":4},{"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":"Nationwide","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Nationwide","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Nationwide","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.75,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Nationwide","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/20-year-term-life-insurance/nationwide.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/20-year-term-life-insurance/nationwide","report_type":"fit_review","study_id":"LICI-STUDY-7D18168C0256","title":"Nationwide 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 11:44:05.717565+00","research_date":"2026-09-20","source_snapshot_sha256":"6a2cf0dfab05f42ebd1de91a463cca4ad0e5eea01cc2aa7f092aa8a0f1edf8ef","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Nationwide is a good, but not clearly best-value, fit for a healthy nonsmoking consumer in their mid-30s seeking $500,000 of 20-year term coverage. Four of seven platforms named Nationwide during the ranking stage (anthropic, grok, kimi, perplexity), and six of seven rated it a \"good\" fit while one (kimi) rated it \"uncertain.\" The strongest reason to consider it is a documented conversion privilege plus a possible no-exam pathway through Life Essentials or accelerated underwriting. The main limitation is that no platform verified a live premium for this exact buyer profile, so price…","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"}}