{"buyer_scenarios":[{"fit":"best_suited","scenario":"Buyers prioritizing a financially strong, established insurer. AM Best rates the relevant life insurer A+ (Superior) with a stable outlook (, -4)."},{"fit":"best_suited","scenario":"Buyers who value conversion to permanent coverage without new medical underwriting during the stated window (, -3, )."},{"fit":"best_suited","scenario":"Buyers who want guaranteed level premiums for the full 30 years (-1, )."},{"fit":"best_suited","scenario":"Buyers who want built-in living benefits, if the no-cost inclusion is confirmed on their policy (google:source2, )."},{"fit":"not_best_suited","scenario":"Shoppers whose primary objective is the lowest premium for healthy young-adult 30-year term coverage. Independent reporting says Nationwide term rates can be steep for younger adults, and multiple platforms place it…"},{"fit":"not_best_suited","scenario":"Buyers who want a fully self-service online purchase. NerdWallet reports that not all policies can be purchased online, and Nationwide's materials invite applicants to speak with a specialist ."},{"fit":"not_best_suited","scenario":"New York residents, because certain policies are unavailable there due to state regulations (-7, -5)."},{"fit":"not_best_suited","scenario":"Applicants near or past the 30-year issue-age caps, reported as 50 for males and 55 for females in one source (-1, google:source3)."}],"citations":{"source_mix":{"company_owned":14,"independent":22,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":28,"partial":10},"total_sources":38,"unique_domain_count":19},"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 30-Year Term Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"30-Year Term Life Insurance","subject":"Nationwide","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Nationwide","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Nationwide","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Nationwide","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Nationwide","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Nationwide","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/30-year-term-life-insurance/nationwide.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/30-year-term-life-insurance/nationwide","report_type":"fit_review","study_id":"LICI-STUDY-6A942B4987C9","title":"Nationwide 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.","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":"2026-09-21 09:30:21.765398+00","research_date":"2026-09-20","source_snapshot_sha256":"72a3f7fd0cdf0c129c7c85daa0a67ac89a99859fef9f110ff71978f24cef62f1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Nationwide is a mixed-to-good fit for a healthy nonsmoking mid-30s buyer seeking $500,000 of 30-year term coverage. Two of seven platforms named Nationwide during the ranking stage (kimi and perplexity), and its average listed rank was 5.5, with a best rank of 3. The strongest reason to consider it is the combination of a directly matching 30-year guaranteed level term product, an A+ (Superior) AM Best financial strength rating, and conversion rights to permanent coverage without new medical underwriting during the first 20 policy years up to age 65. The main limitation is pricing: no…","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"}}