{"citations":{"source_mix":{"company_owned":23,"independent":19,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":16},"total_sources":44,"unique_domain_count":21},"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":["anthropic","deepseek"],"predicate":"final_consensus_rank","qualifier":"Convertible Term Life Insurance","subject":"New York Life","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"New York Life","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"New York Life","unit":"platforms","value":7}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"New York Life","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/convertible-term-life-insurance/new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/convertible-term-life-insurance/new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-40770B55F58C","title":"New York Life 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 11:47:29.368754+00","research_date":"2026-09-20","source_snapshot_sha256":"fe29f90ae514ee83f3b3335f1f166573cee5d43ae71eea1aa2561caa59bad000","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"New York Life is a good fit for Convertible Term Life Insurance if you prioritize a no-new-medical-underwriting conversion option and carrier financial strength over the lowest possible term premium. Two of seven platforms named New York Life during the ranking stage (anthropic, deepseek), and all seven platforms that evaluated it rated the fit \"good.\" The strongest reason to consider it is a documented conversion privilege that generally requires no new medical exam, backed by top-tier financial-strength ratings. The main limitation is a conversion window that is generally shorter than some…","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"}}