{"citations":{"source_mix":{"company_owned":24,"independent":28,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":45,"partial":7},"total_sources":53,"unique_domain_count":28},"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","kimi"],"predicate":"final_consensus_rank","qualifier":"Return-of-Premium Term Life Insurance","subject":"Pacific Life","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Pacific Life","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Pacific Life","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Pacific Life","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Pacific Life","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/return-of-premium-term-life-insurance/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/return-of-premium-term-life-insurance/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-274B838E02B3","title":"Pacific Life 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.","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 11:49:03.647633+00","research_date":"2026-09-20","source_snapshot_sha256":"0bc93df32dcd91b9d6cd42e15f4609385f5080b7c0079ebfcfa3162779934870","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a weak-to-uncertain fit for a buyer who specifically wants return-of-premium (ROP) term life insurance. Three of seven platforms named Pacific Life during ranking discovery, with an average listed rank of 7.0 and a best rank of 3 (anthropic, deepseek, kimi). The strongest reason to consider Pacific Life is carrier strength: it holds an A+ (Superior) AM Best financial-strength rating with a stable outlook, affirmed December 11, 2025 . The main limitation is product fit: the reviewed evidence shows ROP features attached to Pacific Life permanent universal life products, not to…","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"}}