{"citations":{"source_mix":{"company_owned":15,"independent":14,"unclear":5},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":11},"total_sources":34,"unique_domain_count":19},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["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":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $2 Million or More in Coverage","subject":"Principal Financial Group","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Principal Financial Group","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":"Principal Financial Group","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":"Principal Financial Group","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Principal Financial Group","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Principal Financial Group","unit":"platforms","value":1},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Principal Financial Group","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Principal Financial Group","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-2-dollar-million-or-more-in-coverage/principal-financial-group.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-2-dollar-million-or-more-in-coverage/principal-financial-group","report_type":"fit_review","study_id":"LICI-STUDY-5EF3FFF98B97","title":"Principal Financial Group 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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["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":"2026-09-20 14:23:59.173838+00","research_date":"2026-09-20","source_snapshot_sha256":"95fddbcdf1af8ac9f3bd845a61c939ff31d3a5911b7b000601c8aef0479bb879","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Principal Financial Group is a good fit for a healthy, high-income nonsmoking 40-year-old seeking $2 million of 20-year term coverage, but the fit is not unanimous. Two of the six platforms that evaluated fit named Principal during the ranking stage (openai, deepseek), and platform verdicts ranged from \"strong\" (google) to \"weak\" (grok). The strongest reason to consider Principal is its company-reported accelerated underwriting program, which it says can cover up to $3 million for qualifying applicants, plus a convertible 20-year term design with an optional Conversion Extension Rider . The…","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"}}