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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 11:50:07.178795+00","research_date":"2026-09-20","source_snapshot_sha256":"6846240b7d629bf3e3d4ad8331f790fc332fb8d5a37fed0c1fc66b4e29be4b63","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Penn Mutual is the consensus leader for convertible term life insurance in this 7-platform study, named by 6 of 7 platforms (85.7% share) with an average listed position of 2.17 and a best position of 1. Protective Life and Pacific Life tie on mentions (6 each, 85.7%) and follow at ranks 2 and 3. Banner Life, also at 6 mentions, ranks 4. The strongest alternatives for distinct buyer needs are Protective Life for extended conversion windows via an optional rider, Pacific Life for partial conversion with a conversion credit, and Banner Life for the lowest term pricing with a narrow conversion…","target_buyer":"A consumer wants affordable term life insurance today but considers the ability to convert some or all of the policy to permanent life insurance later without undergoing new medical underwriting especially important.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive term pricing","a financially established carrier","useful conversion options","and favorable conversion rules."],"geography":"United States","slug":"best-convertible-term-life-insurance","title":"Best Convertible Term Life Insurance","use_case":"Convertible Term Life Insurance"}}