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The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 11:52:36.452008+00","research_date":"2026-09-20","source_snapshot_sha256":"3592118181b603e3d2f0f822091233335120c179770cd44bd3baa5caef93bc71","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"State Farm is the consensus leader for return-of-premium (ROP) term life insurance, named by all 7 platforms studied and ranked first by five of them. Assurity Life Insurance and Illinois Mutual are the strongest alternatives for buyers who need a rider-based ROP design or a standalone ROP policy with a to-age-65 option. AAA Life Insurance leads on term-length flexibility, while Pacific Life, Kansas City Life Insurance Company, American National, and Protective Life Insurance Company each carry material verification caveats. This index studied 7 AI platforms — openai, anthropic, deepseek,…","target_buyer":"A consumer wants term life insurance but strongly prefers a return-of-premium option that can return eligible premiums if they survive the specified term.","topic":{"base_category":"Term Life Insurance","category_criteria":["They understand this type of coverage may cost substantially more than ordinary term insurance and want financially established carriers with competitive pricing and clearly defined return-of-premium provisions."],"geography":"United States","slug":"best-return-of-premium-term-life-insurance","title":"Best Return-of-Premium Term Life Insurance","use_case":"Return-of-Premium Term Life Insurance"}}