{"citations":{"source_mix":{"company_owned":22,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":6},"total_sources":35,"unique_domain_count":18},"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 Return-of-Premium Term Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Return-of-Premium Term Life Insurance","subject":"AAA Life Insurance","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"AAA Life Insurance","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"AAA Life Insurance","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"AAA Life Insurance","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"AAA Life Insurance","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.75,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"AAA Life Insurance","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/return-of-premium-term-life-insurance/aaa-life-insurance.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/return-of-premium-term-life-insurance/aaa-life-insurance","report_type":"fit_review","study_id":"LICI-STUDY-DC8DA911F4D5","title":"AAA Life Insurance for Return-of-Premium 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 11:47:10.581318+00","research_date":"2026-09-20","source_snapshot_sha256":"e619708bbf078def60296733690089ce845b85282c528618131c6fdf93f65b68","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"AAA Life Insurance is a good, but not clearly best, fit for a U.S. consumer who specifically wants Return-of-Premium Term Life Insurance. Four of the seven platforms in this study named AAA Life during the ranking stage, and five of the seven rated its fit as \"good.\" Its strongest case is a direct product match: Traditional Term Life with a Return of Premium rider that returns up to 100% of eligible premiums if the insured outlives the initial term, backed by an A (Excellent) AM Best rating. The main limitation is that AAA Life publishes no representative premium, rider charge, or refund…","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"}}