{"citations":{"source_mix":{"company_owned":27,"independent":26,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":13},"total_sources":55,"unique_domain_count":21},"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"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $1 Million in Coverage","subject":"Protective","unit":"rank","value":3},{"claim_id":"claim-003","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-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective","unit":"platforms","value":7}],"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":"Protective","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-1-dollar-million-in-coverage/protective.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-1-dollar-million-in-coverage/protective","report_type":"fit_review","study_id":"LICI-STUDY-C301D02E1EEC","title":"Protective 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 09:46:39.167778+00","research_date":"2026-09-20","source_snapshot_sha256":"ae35050e771df6a9df7353ac65a7accabb5be3dce1933d4b8c223d1606eebe37","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective is a good, but not conclusively best, fit for a healthy nonsmoking 40-year-old seeking $1 million of 20-year term coverage. Six of seven platforms named Protective during the ranking stage, and all seven rated the fit \"good.\" The strongest reason to consider it is the combination of Protective Classic Choice Term 20's level premiums, strong reported financial-strength ratings, and the optional Conversion Choice Rider with ExtendCare, which allows conversion to permanent coverage without new evidence of insurability. The main limitation is that no platform verified an actual…","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"}}