{"buyer_scenarios":[{"fit":"not_best_suited","scenario":"Buyers who need guaranteed no-exam underwriting for a 30-year term (openai)."},{"fit":"not_best_suited","scenario":"Buyers prioritizing a clearly documented conversion option without verifying the specific policy form (openai, perplexity)."},{"fit":"not_best_suited","scenario":"Buyers who want to compare multiple insurers through one independent broker application (openai)."},{"fit":"not_best_suited","scenario":"Buyers who prefer annual premium payment, since Haven accepted monthly only (-8)."}],"citations":{"source_mix":{"company_owned":15,"independent":22,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":11},"total_sources":37,"unique_domain_count":25},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best 30-Year Term Life Insurance","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek"],"predicate":"final_consensus_rank","qualifier":"30-Year Term Life Insurance","subject":"Haven Life","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Haven Life","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"good","subject":"Haven Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Haven Life","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Haven Life","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Haven Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":8,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Haven Life","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/30-year-term-life-insurance/haven-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/30-year-term-life-insurance/haven-life","report_type":"fit_review","study_id":"LICI-STUDY-F27605C54195","title":"Haven Life for 30-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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","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 11:56:30.278488+00","research_date":"2026-09-20","source_snapshot_sha256":"a41bba23920e172d7ba37c099a52c3f6cf6c51b66e5dca5819685c73f8c4e7ac","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Haven Life is not a viable fit for a new 30-Year Term Life Insurance purchase in 2026. Two of six platforms named Haven Life during the ranking stage, and those two split sharply: DeepSeek rated it a good fit, while OpenAI rated it uncertain. The strongest reason to consider Haven Life historically was its Haven Term product — 30-year level term coverage issued by MassMutual, with online application and accelerated underwriting. The main limitation is decisive: multiple platforms report that Haven Life stopped accepting new applications in January 2024, and existing policies are now serviced…","target_buyer":"A healthy nonsmoking consumer in their mid-30s wants $500,000 of life insurance coverage for 30 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-30-year-term-life-insurance","title":"Best 30-Year Term Life Insurance","use_case":"30-Year Term Life Insurance"}}