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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 10:21:23.73129+00","research_date":"2026-09-20","source_snapshot_sha256":"d34eb430b75c88ae4a415552aea89ca68fb3095f617c4d72a3c27830dec6157b","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is the consensus leader for a healthy, high-income, nonsmoking 40-year-old seeking at least $2 million of 20-year term coverage, named by all seven platforms studied and holding the best average listed position (2.43) in the final ranking table. Protective Life ranks second on the strength of published face-amount capacity up to $50 million and its Conversion Choice rider with ExtendCare, while Lincoln Financial ranks third for large-case underwriting support and lab-free consideration up to $2.5 million. Banner Life, Penn Mutual, Prudential, Principal Financial, Transamerica,…","target_buyer":"A healthy high-income nonsmoking 40-year-old wants at least $2 million of term life insurance coverage for 20 years to replace income and protect their family.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive pricing","carriers comfortable with larger face amounts","efficient financial and medical underwriting","and strong conversion options."],"geography":"United States","slug":"best-term-life-insurance-for-2-million-or-more-in-coverage","title":"Best Term Life Insurance for $2 Million or More in Coverage","use_case":"Term Life Insurance for $2 Million or More in Coverage"}}