{"citations":{"source_mix":{"company_owned":12,"independent":16,"unclear":5},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":7},"total_sources":33,"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 $2 Million or More 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","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $2 Million or More in Coverage","subject":"Lincoln Financial","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln Financial","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Lincoln Financial","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lincoln Financial","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.285714285714286,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Lincoln Financial","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-2-dollar-million-or-more-in-coverage/lincoln-financial.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-2-dollar-million-or-more-in-coverage/lincoln-financial","report_type":"fit_review","study_id":"LICI-STUDY-1C8AB4D4148B","title":"Lincoln Financial 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.","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 10:04:25.140863+00","research_date":"2026-09-20","source_snapshot_sha256":"e78d69be942e5a01a34917c84d39a649230db08c902d7693209daccce127b6d0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Lincoln Financial is a good fit for a healthy, high-income, nonsmoking 40-year-old seeking $2 million or more of 20-year term coverage, provided the buyer does not live in New York and does not need the absolute lowest verified premium. All 7 platforms named Lincoln Financial during the ranking stage, a 100% share of included platform responses, with an average listed rank of 6.29 and a best listed rank of 4. The strongest reason to consider it is the combination of large-face-amount positioning (LifeElements Level Term) and streamlined, potentially lab-free underwriting up to $2.5 million…","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"}}