{"citations":{"source_mix":{"company_owned":17,"independent":25,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":8},"total_sources":43,"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 Accelerated Underwriting Term Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Accelerated Underwriting Term Life Insurance","subject":"Haven Life","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Haven Life","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["perplexity"],"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":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Haven Life","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Haven Life","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.75,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Haven Life","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/accelerated-underwriting-term-life-insurance/haven-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/accelerated-underwriting-term-life-insurance/haven-life","report_type":"fit_review","study_id":"LICI-STUDY-3F33F8188DC1","title":"Haven Life for Accelerated Underwriting 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":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 12:18:31.130734+00","research_date":"2026-09-20","source_snapshot_sha256":"12e556ca543b727da27e9167d23fd1eee6e91e5ced7ed62e1a36bceb8b3eae98","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Haven Life is a weak fit for a 2026 buyer seeking Accelerated Underwriting Term Life Insurance. Four of seven platforms named Haven Life during the ranking stage, and the strongest reason to consider it is historical: Haven Term's InstantTerm pathway once offered algorithmic, no-exam decisions for qualified applicants up to age 59 and $1 million in coverage, backed by MassMutual. The main limitation is decisive — Haven Life stopped accepting new applications on January 12, 2024, and ceased issuing new policies by March 31, 2024. Existing policyholders retain coverage serviced by MassMutual,…","target_buyer":"A healthy consumer wants term life insurance through an accelerated underwriting process that may allow qualified applicants to receive traditionally underwritten or similarly competitive coverage without completing a conventional medical exam.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want a reputable carrier","competitive premiums","meaningful coverage amounts","and an efficient digital application process."],"geography":"United States","slug":"best-accelerated-underwriting-term-life-insurance","title":"Best Accelerated Underwriting Term Life Insurance","use_case":"Accelerated Underwriting Term Life Insurance"}}