{"citations":{"source_mix":{"company_owned":18,"independent":34,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":6},"total_sources":52,"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 People Over 50","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google"],"predicate":"final_consensus_rank","qualifier":"No-Exam Term Life Insurance for People Over 50","subject":"Pacific Life","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google"],"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","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Pacific Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":3,"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/no-exam-term-life-insurance-for-people-over-50/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/no-exam-term-life-insurance-for-people-over-50/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-96F98304677A","title":"Pacific Life 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.","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 12:55:13.316893+00","research_date":"2026-09-20","source_snapshot_sha256":"7209d1942cfaf74926eeb52a12747a8813aafba2295af9b6b87099856eb39cb2","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a good fit for a healthy nonsmoker over 50 who is age 50–60, wants meaningful level-term coverage, and may qualify for accelerated underwriting without a paramedical exam. Two of the seven platforms named Pacific Life during ranking discovery, and it finished with an average listed rank of 4.0 (best rank 3). The strongest reason to consider it is PL Promise Term's published accelerated-underwriting pathway: no medical exam and no attending-physician statement for ages 18–60, up to $3 million, for Standard-or-better risk classes . The main limitation is the age boundary — the…","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"}}