{"citations":{"source_mix":{"company_owned":14,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":18,"partial":9},"total_sources":27,"unique_domain_count":12},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Term Life Insurance for $250,000 in Coverage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $250,000 in Coverage","subject":"Fidelity Life","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Fidelity Life","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":9.5,"best_rank":9,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Fidelity Life","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-2-dollar-50-000-in-coverage/fidelity-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-2-dollar-50-000-in-coverage/fidelity-life","report_type":"fit_review","study_id":"LICI-STUDY-0EEE372872DF","title":"Fidelity Life for Term Life Insurance for $250,000 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.","6 of 7 included platforms returned a usable fit assessment; disclose this as a methodology limitation and do not describe the fit findings as unanimous, 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_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 13:36:17.627479+00","research_date":"2026-09-20","source_snapshot_sha256":"b161ef09a3b5e1df289871c7fcaface8fa11a9bff49c961103261327c3e9b998","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Fidelity Life is a mixed fit for a healthy nonsmoking 40-year-old seeking $250,000 of 20-year term coverage. Four of the seven platforms in this study named Fidelity Life during the ranking stage, and six of seven returned a usable fit assessment. The strongest reason to consider it is the RAPIDecision Life 20-year term product, which matches the requested term and face amount and may deliver same-day, often no-exam underwriting. The main limitation is pricing: no platform verified a competitive $250,000 premium for this exact buyer, and independent reviews describe Fidelity Life pricing as…","target_buyer":"A healthy nonsmoking 40-year-old wants $250,000 of term life insurance coverage for 20 years.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive premiums","straightforward underwriting","a reputable carrier","and reasonable policy flexibility."],"geography":"United States","slug":"best-term-life-insurance-for-250-000-in-coverage","title":"Best Term Life Insurance for $250,000 in Coverage","use_case":"Term Life Insurance for $250,000 in Coverage"}}