{"citations":{"source_mix":{"company_owned":160,"independent":202,"unclear":9},"sources_referenced_by_questions":0,"support_mix":{"direct":269,"partial":70},"total_sources":371,"unique_domain_count":117},"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 Term Life Insurance for $1 Million in Coverage","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":"Term Life Insurance for $1 Million in Coverage","subject":"Pacific Life","unit":"rank","value":1},{"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":"Pacific Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Banner Life","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":6},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Protective","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective","unit":"platforms","value":6},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Penn Mutual","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Penn Mutual","unit":"platforms","value":4},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Lincoln Financial","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln Financial","unit":"platforms","value":4},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Transamerica","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Transamerica","unit":"platforms","value":4},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Corebridge Financial","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Corebridge Financial","unit":"platforms","value":3},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Symetra","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Symetra","unit":"platforms","value":3},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Principal Life Term","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Principal Life Term","unit":"platforms","value":2},{"claim_id":"claim-020","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Guardian Life","unit":"rank","value":10},{"claim_id":"claim-021","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Guardian Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.5714285714285716,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Pacific Life","platform_mentions":7,"platform_share":1},{"average_rank":1.3333333333333333,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Banner Life","platform_mentions":6,"platform_share":0.8571428571428571},{"average_rank":3.6666666666666665,"best_rank":2,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Protective","platform_mentions":6,"platform_share":0.8571428571428571},{"average_rank":3.75,"best_rank":2,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"Penn Mutual","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":5.25,"best_rank":4,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"Lincoln Financial","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":5.75,"best_rank":2,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Transamerica","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":3.3333333333333335,"best_rank":1,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"Corebridge Financial","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":4.333333333333333,"best_rank":3,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"Symetra","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":3.5,"best_rank":3,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Principal Life Term","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":6.5,"best_rank":4,"entity_id":"entity-010","entity_type":"company","final_rank":10,"name":"Guardian Life","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-1-dollar-million-in-coverage.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-1-dollar-million-in-coverage","report_type":"best_of_index","study_id":"LICI-STUDY-5D0E031DB6E9","title":"Best Term Life Insurance for Term Life Insurance for $1 Million in Coverage: 7-Platform AI Consensus Index"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. 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 10:04:36.884524+00","research_date":"2026-09-20","source_snapshot_sha256":"42cf09ee239d21fbbeb0ea966f10b2418bc5d1a5597a4705bce1e086453e6d05","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life ranks #1 in this 7-platform AI consensus index for a healthy nonsmoking 40-year-old seeking $1 million of 20-year term coverage, named by all seven platforms (100.0% share) at an average listed position of 2.57. Banner Life is the strongest alternative for buyers whose top priority is the lowest verified premium, and it holds the best average listed position of any carrier in the study (1.33). Protective is the leading choice when conversion flexibility and chronic-illness conversion options matter. Penn Mutual, Lincoln Financial, Transamerica, Corebridge Financial, Symetra,…","target_buyer":"A healthy nonsmoking 40-year-old wants $1 million of term life insurance coverage for 20 years.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive premiums","financially established carriers","efficient underwriting","and useful conversion options where available."],"geography":"United States","slug":"best-term-life-insurance-for-1-million-in-coverage","title":"Best Term Life Insurance for $1 Million in Coverage","use_case":"Term Life Insurance for $1 Million in Coverage"}}