{"citations":{"source_mix":{"company_owned":26,"independent":23,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":40,"partial":8},"total_sources":49,"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 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","perplexity"],"predicate":"final_consensus_rank","qualifier":"No-Exam Term Life Insurance for $1 Million in Coverage","subject":"Protective Life","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Protective Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Protective Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Protective Life","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/no-exam-term-life-insurance-for-1-dollar-million-in-coverage/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/no-exam-term-life-insurance-for-1-dollar-million-in-coverage/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-738579662116","title":"Protective 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.","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 13:25:52.400261+00","research_date":"2026-09-20","source_snapshot_sha256":"a52975bcedeb8ae1009adb6fd56b30caad7b58b5aff0740a365f5556a89feda4","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a good fit for a healthy nonsmoking 40-year-old seeking $1 million of 20-year term coverage without a traditional medical exam, but it is not a guaranteed no-exam product. Two of seven platforms named Protective Life during the ranking stage, and it finished 10th overall. The strongest reason to consider it: Protective's own materials state that term policies of $1 million or less for ages 18–50 qualify for accelerated underwriting more often, and the requested 20-year term matches the Classic Choice Term product . The main limitation: accelerated underwriting is…","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"}}