{"citations":{"source_mix":{"company_owned":14,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":6},"total_sources":27,"unique_domain_count":17},"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 No-Exam Term Life Insurance for People Over 50","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"No-Exam Term Life Insurance for People Over 50","subject":"AARP Life Insurance Program","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"AARP Life Insurance Program","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"AARP Life Insurance Program","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"AARP Life Insurance Program","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.333333333333333,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"AARP Life Insurance Program","platform_mentions":3,"platform_share":0.5}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/no-exam-term-life-insurance-for-people-over-50/aarp-life-insurance-program.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/no-exam-term-life-insurance-for-people-over-50/aarp-life-insurance-program","report_type":"fit_review","study_id":"LICI-STUDY-848E6A009161","title":"AARP Life Insurance Program for No-Exam Term Life Insurance for People Over 50: 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 16:58:53.855229+00","research_date":"2026-09-20","source_snapshot_sha256":"b8dd73c0ed6256d48055b0233b2605662c0058b3112d9142fc5f3a6c6948eb5e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"AARP life insurance Program is a reasonable but mixed fit for a nonsmoker over 50 who wants no-exam term coverage. Three of six included platforms named it during the ranking stage (50% share), at an average listed rank of 4.33 and a best rank of 1. Its strongest draw is a genuinely simplified-issue term product underwritten by New York Life, with coverage up to $150,000 and no paramedical exam required. The main limitation is structure: premiums rise in five-year age bands rather than staying level, coverage generally ends at age 80, and independent reviewers describe pricing as…","target_buyer":"A nonsmoking consumer over age 50 wants term life insurance but strongly prefers not to undergo a traditional medical examination.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want meaningful coverage","competitive pricing for their age","a reputable carrier","reasonable term-length options","and an underwriting process that may use health questions and electronic records instead of a paramedical exam."],"geography":"United States","slug":"best-no-exam-term-life-insurance-for-people-over-50","title":"Best No-Exam Term Life Insurance for People Over 50","use_case":"No-Exam Term Life Insurance for People Over 50"}}