{"citations":{"source_mix":{"company_owned":14,"independent":30,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":11},"total_sources":45,"unique_domain_count":22},"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":["grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"No-Exam Term Life Insurance for People Over 50","subject":"Penn Mutual","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Penn Mutual","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Penn Mutual","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Penn Mutual","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Penn Mutual","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Penn Mutual","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Penn Mutual","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/penn-mutual.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/no-exam-term-life-insurance-for-people-over-50/penn-mutual","report_type":"fit_review","study_id":"LICI-STUDY-DFA30530C379","title":"Penn Mutual 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 12:54:31.174737+00","research_date":"2026-09-20","source_snapshot_sha256":"0f72ed08ff6e8ce701ceb3767538cd08319fba63a7eb40e18915cc28d50bff40","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Penn Mutual is a good fit for a healthy nonsmoker over 50 who wants meaningful term coverage without a traditional medical exam, provided they are age 65 or younger, do not live in New York, and accept advisor-based purchasing. Two of the seven platforms in this study named Penn Mutual during the ranking stage — grok (rank 2) and perplexity (rank 6) — giving it a 28.6% share of included platform responses and an average listed rank of 4.0. The strongest reason to consider it is the Accelerated Client Experience (ACE) program, which company materials say can avoid exams and lab tests for…","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"}}