{"citations":{"source_mix":{"company_owned":16,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":28,"partial":7},"total_sources":35,"unique_domain_count":19},"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":["anthropic","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"No-Medical-Exam Term Life Insurance","subject":"Nationwide","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Nationwide","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Nationwide","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Nationwide","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Nationwide","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Nationwide","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/no-medical-exam-term-life-insurance/nationwide.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/no-medical-exam-term-life-insurance/nationwide","report_type":"fit_review","study_id":"LICI-STUDY-DD2406D6689B","title":"Nationwide 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.","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 12:05:56.146488+00","research_date":"2026-09-20","source_snapshot_sha256":"0020cd7b3cc420751ff309deb6527a3a70e31613a011c8b9790691c1967a82d7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Nationwide is a good, but not clearly best, fit for a healthy U.S. consumer who wants No-Medical-Exam Term Life Insurance. Five of seven platforms named Nationwide during the ranking stage, and it finished first overall with an average listed rank of 2.2. Its strongest asset is Nationwide Life Essentials: a fully digital, no-exam term product with instant-decision positioning, $250,000–$1.5 million of coverage, and 10- or 20-year terms for ages 21–55 . The main limitation is that no public pricing, no guaranteed exam waiver, a $1.5 million no-exam ceiling, and no conversion feature on Life…","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"}}