{"citations":{"source_mix":{"company_owned":23,"independent":17,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":7},"total_sources":40,"unique_domain_count":16},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Instant-Decision Term Life Insurance","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Instant-Decision Term Life Insurance","subject":"Banner Life Insurance","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Banner Life Insurance","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Banner Life Insurance","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life Insurance","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.75,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Banner Life Insurance","platform_mentions":4,"platform_share":0.6666666666666666}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/instant-decision-term-life-insurance/banner-life-insurance.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/instant-decision-term-life-insurance/banner-life-insurance","report_type":"fit_review","study_id":"LICI-STUDY-55268C57FEB6","title":"Banner Life Insurance for Instant-Decision 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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["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":"2026-09-20 16:30:42.322254+00","research_date":"2026-09-20","source_snapshot_sha256":"1877c3e05500676215a0b2be222cd4d39a6f1a617f5c357a2d4a2f4398157856","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner life insurance is a strong-to-good fit for a healthy U.S. consumer who prioritizes a fast online term-life decision, provided the buyer understands that \"instant\" is an eligibility-based underwriting outcome rather than a guarantee. Four of the six platforms that evaluated fit named Banner Life during the ranking stage — google, grok, kimi, and openai — giving it a 66.7% share of included platform responses, an average listed rank of 2.75, and a best listed rank of 2. The strongest reason to consider it is Banner's OPTerm product submitted through the Horizon accelerated-underwriting…","target_buyer":"A healthy consumer places a high priority on obtaining a term life insurance decision very quickly through an online or highly automated application process.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want a reputable carrier","meaningful coverage","transparent underwriting requirements","competitive pricing","and the possibility of approval without a traditional medical exam when eligible."],"geography":"United States","slug":"best-instant-decision-term-life-insurance","title":"Best Instant-Decision Term Life Insurance","use_case":"Instant-Decision Term Life Insurance"}}