{"citations":{"source_mix":{"company_owned":17,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":2},"total_sources":31,"unique_domain_count":17},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["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":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Protective Life","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Protective Life","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Protective Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Protective Life","platform_mentions":5,"platform_share":0.8333333333333334}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-1-dollar-million-in-coverage/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-1-dollar-million-in-coverage/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-1BA5247447AF","title":"Protective 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["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":"2026-09-20 14:00:33.517618+00","research_date":"2026-09-20","source_snapshot_sha256":"f76367abde13f92a40234a4e276ec4a0539fa9c60f80ed23616dad3e9faae4bd","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a good fit for a healthy nonsmoking 40-year-old seeking $1 million of 20-year term coverage, especially when competitive pricing, strong financial ratings, and long conversion flexibility matter. Five of six included platforms named Protective Life during the ranking stage, and it finished third overall with an average listed rank of 3.6 and a best rank of 2. The strongest reason to consider it is the combination of competitive independent pricing evidence, A+ / AA- financial-strength ratings, and the optional Conversion Choice Rider with ExtendCare, which extends…","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"}}