{"citations":{"source_mix":{"company_owned":9,"independent":18,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":4},"total_sources":28,"unique_domain_count":20},"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 $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","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $2 Million or More in Coverage","subject":"Prudential","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Prudential","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Prudential","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-2-dollar-million-or-more-in-coverage/prudential.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-2-dollar-million-or-more-in-coverage/prudential","report_type":"fit_review","study_id":"LICI-STUDY-F76301055B85","title":"Prudential 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.","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.","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":"2026-09-21 10:19:15.128801+00","research_date":"2026-09-20","source_snapshot_sha256":"bece4518c7ef752dfa865010574c17394751561f843b528f5071603c1452b94b","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Prudential is a good fit for a healthy, high-income, nonsmoking 40-year-old seeking at least $2 million of 20-year term coverage, but it is not conclusively the best option. Four of the seven platforms in this study named Prudential during the ranking stage, and six of seven returned a usable fit assessment. The strongest reason to consider Prudential is its combination of large-face-amount capacity, a stated conversion option to permanent products, and strong reported financial-strength ratings. The main limitation is that no public source verified a premium for this exact buyer profile,…","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"}}