{"citations":{"source_mix":{"company_owned":12,"independent":28,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":8},"total_sources":41,"unique_domain_count":26},"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":["deepseek","openai"],"predicate":"final_consensus_rank","qualifier":"30-Year Term Life Insurance","subject":"Principal","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Principal","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Principal","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Principal","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Principal","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Principal","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/30-year-term-life-insurance/principal.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/30-year-term-life-insurance/principal","report_type":"fit_review","study_id":"LICI-STUDY-B9534EBB23A9","title":"Principal 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 09:18:28.962376+00","research_date":"2026-09-20","source_snapshot_sha256":"23655630cdc06dc03bf9005041323774787c468a84ce101b995e74a7f27fdea1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Principal is a mixed fit for a healthy nonsmoking mid-30s buyer seeking $500,000 of 30-year term coverage. Two of seven platforms named Principal during the ranking stage (deepseek and openai), and both placed it at rank 4. The strongest reason to consider Principal Term 30 is its combination of a 30-year level term design, a conversion privilege to permanent coverage, and A+ (Superior) AM Best financial-strength ratings affirmed in April 2026. The main limitation is a serious one: four of seven platforms concluded Principal is a weak fit because it exited the individual retail life…","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"}}