{"citations":{"source_mix":{"company_owned":15,"independent":20,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":5},"total_sources":35,"unique_domain_count":22},"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 Convertible Term Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"Convertible Term Life Insurance","subject":"Nationwide","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Nationwide","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Nationwide","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Nationwide","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Nationwide","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/convertible-term-life-insurance/nationwide.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/convertible-term-life-insurance/nationwide","report_type":"fit_review","study_id":"LICI-STUDY-2026E50159C5","title":"Nationwide for Convertible 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 11:46:02.084327+00","research_date":"2026-09-20","source_snapshot_sha256":"da085418f8d0282edd05a60b368febf8630a9b2ffe01a255b2083dbdf7fe8650","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Nationwide is a good fit for Convertible Term Life Insurance if you are under 55, want a documented right to convert to permanent coverage without new medical underwriting, and value a financially strong carrier. Two of seven platforms named Nationwide during the ranking stage (deepseek and perplexity), giving it a 28.6% share of included platform responses, an average listed rank of 5.0, and a best listed rank of 2. The strongest reason to consider it is the Guaranteed Level Term conversion privilege that preserves your original health class without a new medical exam. The main limitation…","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"}}