{"citations":{"source_mix":{"company_owned":47,"independent":62,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":95,"partial":16},"total_sources":112,"unique_domain_count":59},"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 40-Year Term Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"40-Year Term Life Insurance","subject":"Protective Life","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"40-Year Term Life Insurance","subject":"Banner Life","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":6},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"40-Year Term Life Insurance","subject":"Pacific Life","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.857142857142857,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Protective Life","platform_mentions":7,"platform_share":1},{"average_rank":1.1666666666666667,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Banner Life","platform_mentions":6,"platform_share":0.8571428571428571},{"average_rank":2,"best_rank":1,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Pacific Life","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/40-year-term-life-insurance.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/40-year-term-life-insurance","report_type":"best_of_index","study_id":"LICI-STUDY-16B3914613F4","title":"Best Term Life Insurance for 40-Year Term Life Insurance: 7-Platform AI Consensus Index"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 09:15:48.199473+00","research_date":"2026-09-20","source_snapshot_sha256":"d865b204224c49ce4db8e6ffbca1024b2837c89c006a424f09b76b94bed23f0e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":3,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is the consensus leader for a healthy nonsmoking mid-30s buyer seeking $500,000 of 40-year level term coverage, named by all seven platforms studied and ranked first by OpenAI. Banner Life is the strongest alternative for buyers whose top priority is the lowest verified premium, and it was ranked first by five of the six platforms that named it. Pacific Life is the only other qualifying entity, but it qualifies on a technicality: six of seven platforms rated it a weak fit because its PL Promise Term product caps at 30 years. The study covered seven AI platforms using one…","target_buyer":"A healthy nonsmoking consumer in their mid-30s wants $500,000 of life insurance coverage for approximately 40 years and specifically prefers a carrier offering unusually long term durations.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive premiums","a financially established insurer","and useful conversion options if available."],"geography":"United States","slug":"best-40-year-term-life-insurance","title":"Best 40-Year Term Life Insurance","use_case":"40-Year Term Life Insurance"}}