{"citations":{"source_mix":{"company_owned":18,"independent":16,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":13,"partial":8},"total_sources":35,"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 Instant-Decision Term Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai"],"predicate":"final_consensus_rank","qualifier":"Instant-Decision Term Life Insurance","subject":"Pacific Life","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","kimi","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Pacific Life","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Pacific Life","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/instant-decision-term-life-insurance/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/instant-decision-term-life-insurance/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-8114889D44DB","title":"Pacific Life 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.","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 12:52:41.336062+00","research_date":"2026-09-20","source_snapshot_sha256":"d697824b3837beaf4e353ee671f4797a610fb57692ecc7683460f446a3202e0d","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a qualified but conditional fit for Instant-Decision Term Life Insurance. Two of seven platforms named it during the ranking stage, and it finished ninth overall with an average listed rank of 5.0. Its strongest case rests on PL Promise Term with Pacific Accelerated Life+ (PAL+) underwriting, which company materials describe as offering up to $3 million in coverage without a medical exam for eligible applicants ages 18–60 (, grok:). The main limitation is that no platform verified a guaranteed instant decision, publicly displayed consumer pricing, or a fully self-service…","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"}}