{"citations":{"source_mix":{"company_owned":13,"independent":31,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":38,"partial":8},"total_sources":46,"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-Medical-Exam Term Life Insurance","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-Medical-Exam Term Life Insurance","subject":"Haven Life","unit":"rank","value":7},{"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":["deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Haven Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Haven Life","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":"Haven Life","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/no-medical-exam-term-life-insurance/haven-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/no-medical-exam-term-life-insurance/haven-life","report_type":"fit_review","study_id":"LICI-STUDY-32FDBD091FCA","title":"Haven Life for No-Medical-Exam Term Life Insurance: 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 12:18:14.631089+00","research_date":"2026-09-20","source_snapshot_sha256":"803cf37f26cd193f4c0aa033487851f98672a76b20aaef7daa9f7bf296038a2b","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Haven Life is a weak fit for a 2026 buyer seeking No-Medical-Exam Term Life Insurance. Three of seven platforms named Haven Life during the ranking stage, and those three split sharply: DeepSeek rated it a good fit, while OpenAI and Kimi rated it weak or conditional. The strongest reason to consider Haven Life is its historical product design — Haven Simple was a simplified-issue term policy with no exam, and Haven Term used accelerated underwriting that could waive the exam for eligible applicants. The decisive limitation is that Haven Life stopped accepting new life insurance applications…","target_buyer":"A healthy consumer wants term life insurance without undergoing a traditional paramedical examination involving blood or urine testing.","topic":{"base_category":"Term Life Insurance","category_criteria":["They are comfortable answering health questions and allowing the insurer to use available electronic health","prescription","or consumer data for underwriting. They want competitive pricing","meaningful coverage amounts","a reputable carrier","and an efficient application process."],"geography":"United States","slug":"best-no-medical-exam-term-life-insurance","title":"Best No-Medical-Exam Term Life Insurance","use_case":"No-Medical-Exam Term Life Insurance"}}