{"citations":{"source_mix":{"company_owned":17,"independent":23,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":4},"total_sources":40,"unique_domain_count":25},"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":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"40-Year Term Life Insurance","subject":"Pacific Life","unit":"rank","value":3},{"claim_id":"claim-003","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},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Pacific Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Pacific Life","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":1,"entity_id":"entity-001","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/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/40-year-term-life-insurance/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-80551B787405","title":"Pacific Life for 40-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 09:15:15.877513+00","research_date":"2026-09-20","source_snapshot_sha256":"03bd920156a0d90b603073dca1ae827147cc598b34d75e4040a0fd1c5bd41c9b","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":3,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a weak fit for a buyer who specifically needs 40-Year Term Life Insurance. Two of seven platforms named Pacific Life during the ranking stage, and both placed it in the top three, but six of seven platforms ultimately rated its fit as weak for this use case. The strongest reason to consider Pacific Life is its conversion pathway: PL Promise Term can convert to PL Promise Conversion UL without new underwriting before age 70, which can extend coverage beyond a term period. The main limitation is decisive: Pacific Life's publicly documented term products top out at 30-year…","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"}}