{"citations":{"source_mix":{"company_owned":14,"independent":13,"unclear":6},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":8},"total_sources":33,"unique_domain_count":18},"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 $2 Million or More in Coverage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $2 Million or More in Coverage","subject":"John Hancock","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"John Hancock","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"John Hancock","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.5,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"John Hancock","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-2-dollar-million-or-more-in-coverage/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-2-dollar-million-or-more-in-coverage/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-E9D3B98873CD","title":"John Hancock for Term Life Insurance for $2 Million or More 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.","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_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 10:21:45.197365+00","research_date":"2026-09-20","source_snapshot_sha256":"4bf415c1a66aad31b00a56a290a83f8058d6b88de7da0f73cbd82067f3a99e15","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a qualified but contested fit for a healthy 40-year-old nonsmoker seeking $2 million or more of 20-year term coverage. Two of seven platforms named it during ranking discovery, at an average listed rank of 6.5 and a best rank of 5. The strongest reason to consider it is capacity plus conversion: published term coverage reaches $65 million in most states, 20-year terms are listed, and conversion to permanent coverage is documented through the end of the term or age 70. The main limitation is price and verification: independent rate data places John Hancock roughly 6–7% above…","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"}}