{"citations":{"source_mix":{"company_owned":26,"independent":22,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":11},"total_sources":48,"unique_domain_count":25},"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","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Return-of-Premium Term Life Insurance","subject":"Assurity Life Insurance","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Assurity Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Assurity Life Insurance","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Assurity Life Insurance","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Assurity Life Insurance","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.142857142857143,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Assurity Life Insurance","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/return-of-premium-term-life-insurance/assurity-life-insurance.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/return-of-premium-term-life-insurance/assurity-life-insurance","report_type":"fit_review","study_id":"LICI-STUDY-AEB40E972911","title":"Assurity 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 11:40:28.029755+00","research_date":"2026-09-20","source_snapshot_sha256":"4fec19cb26ef09659956f8e6463e874b9956f6fe592c803576897dfe146a7381","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Assurity Life Insurance is a good — not conclusively best — fit for Return-of-Premium Term Life Insurance. All seven AI platforms that named it in the ranking stage placed it, giving it a 100% share of included platform responses, an average listed rank of 3.14, and a best rank of 1. Its strongest asset is a directly relevant Endowment Benefit Rider (called the Return of Premium Rider in some states) available on 20- and 30-year term policies. The main limitation is that no public ROP premium schedule exists, the refund percentage is described inconsistently across company materials, and the…","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"}}