{"citations":{"source_mix":{"company_owned":16,"independent":21,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":7},"total_sources":39,"unique_domain_count":19},"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":["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-003","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},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guardian Life","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Guardian Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.5,"best_rank":4,"entity_id":"entity-001","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/guardian-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-1-dollar-million-in-coverage/guardian-life","report_type":"fit_review","study_id":"LICI-STUDY-623C2F99DF97","title":"Guardian Life for Term Life Insurance for $1 Million in Coverage: 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.","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 10:01:28.532771+00","research_date":"2026-09-20","source_snapshot_sha256":"fb304a7319b2f0bf230d960a0deae9ce8980d4bb5d90f12db5ef5c95caf37350","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Guardian Life is a good fit for a healthy nonsmoking 40-year-old seeking $1 million of 20-year term coverage when financial strength and conversion flexibility matter more than the lowest possible premium. Two of seven platforms named Guardian Life during the ranking stage, at an average listed rank of 6.5 and a best rank of 4. The strongest reason to consider it is Guardian Level Term 20's conversion structure — standard conversion to permanent coverage without a new medical exam in the first five years, extendable for the full term with an optional rider — backed by an AM Best A++ Superior…","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"}}