{"citations":{"source_mix":{"company_owned":11,"independent":31,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":37,"partial":3},"total_sources":42,"unique_domain_count":30},"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 No-Exam Term Life Insurance for $1 Million in Coverage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"No-Exam Term Life Insurance for $1 Million in Coverage","subject":"Haven Life","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Haven Life","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Haven Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Haven Life","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","grok","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Haven Life","unit":"platforms","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Haven Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.333333333333333,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Haven Life","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/no-exam-term-life-insurance-for-1-dollar-million-in-coverage/haven-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/no-exam-term-life-insurance-for-1-dollar-million-in-coverage/haven-life","report_type":"fit_review","study_id":"LICI-STUDY-80DBEAA6587E","title":"Haven Life for No-Exam Term Life Insurance for $1 Million in Coverage: 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.","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 13:24:56.366321+00","research_date":"2026-09-20","source_snapshot_sha256":"cf0e00870b62ba82b95697e05f875f38feba356b53860240c1fe6df8adf39c6e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Haven Life is a weak fit for a new no-exam $1 million, 20-year term policy in 2026. Three of seven platforms named Haven Life during ranking discovery, and the platform fit ratings split: one \"good,\" two \"mixed,\" three \"weak,\" and one \"uncertain.\" The strongest reason to consider Haven Life is its historical Haven Term and InstantTerm accelerated-underwriting model, which was conceptually well matched to a healthy nonsmoking 40-year-old seeking $1 million with no exam. The main limitation is that independent reporting states Haven Life stopped accepting new applications on January 12, 2024…","target_buyer":"A healthy nonsmoking 40-year-old wants $1 million of 20-year term life insurance but strongly prefers to qualify without completing a traditional medical examination.","topic":{"base_category":"Term Life Insurance","category_criteria":["They are comfortable with accelerated underwriting","health questions","and electronic health or prescription-data review. They want competitive premiums","a reputable carrier","and an efficient application process."],"geography":"United States","slug":"best-no-exam-term-life-insurance-for-1-million-in-coverage","title":"Best No-Exam Term Life Insurance for $1 Million in Coverage","use_case":"No-Exam Term Life Insurance for $1 Million in Coverage"}}