{"buyer_scenarios":[{"fit":"best_suited","scenario":"Consumers ages 18–60 wanting ROP coverage of $50,000–$500,000 in 20-year, 30-year, or to-age-65 terms (-1, -2, google:cittermlifeguide)."},{"fit":"best_suited","scenario":"Buyers who want to align the coverage term with retirement age using the \"To Age 65\" option (google:citbestropcompanies, google:cittermlifeguide)."},{"fit":"best_suited","scenario":"Middle-market earners comfortable working through an insurance agent rather than applying online (-3, -19, )."},{"fit":"best_suited","scenario":"Buyers who value a mutual, policyholder-owned carrier structure (, google:citaboutus)."},{"fit":"not_best_suited","scenario":"Buyers seeking the cheapest ordinary term coverage, since ROP premiums are materially higher than standard term (-1, -1)."},{"fit":"not_best_suited","scenario":"Applicants needing online completion and purchase without an agent (-10, -19, , )."},{"fit":"not_best_suited","scenario":"Buyers needing more than $500,000 of coverage (, -15, google:cittermlifeguide)."},{"fit":"not_best_suited","scenario":"Residents of Alaska, the District of Columbia, Hawaii, Montana, or New York (-11, google:citropwinwin, kimi:nerdwallet-best-rop-2026)."}],"citations":{"source_mix":{"company_owned":19,"independent":14,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":4},"total_sources":34,"unique_domain_count":11},"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","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Return-of-Premium Term Life Insurance","subject":"Illinois Mutual","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Illinois Mutual","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Illinois Mutual","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Illinois Mutual","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Illinois Mutual","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/return-of-premium-term-life-insurance/illinois-mutual.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/return-of-premium-term-life-insurance/illinois-mutual","report_type":"fit_review","study_id":"LICI-STUDY-2BCD4AAA3B80","title":"Illinois Mutual 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 11:43:50.105977+00","research_date":"2026-09-20","source_snapshot_sha256":"d1d5a621802cb14662f7cb9332696bc55ab5817cf3d8335ecd37e88d12e7b013","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Illinois Mutual is a good fit for a U.S. consumer who specifically wants standalone return-of-premium (ROP) term life insurance and is comfortable buying through an agent. Six of seven platforms named Illinois Mutual during the ranking stage, and six of seven rated the fit \"good\" (one rated it \"mixed\"). The strongest reason to consider it is that ROP is the core product design — Path Protector Plus® Return of Premium Term returns 100% of defined returnable premiums at the end of the initial term if conditions are met. The main limitation is that the return excludes rider premiums,…","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"}}