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Insurance for $500,000 in Coverage: 7-Platform AI Consensus Index"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. 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 09:49:14.864737+00","research_date":"2026-09-20","source_snapshot_sha256":"f7563a3d6b311eab1ea0d3a224874504d3104d2b0eb444e5b0f22df302810e75","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is the consensus leader for a healthy nonsmoking 40-year-old seeking $500,000 of 20-year term coverage, named by all 7 platforms studied and ranked first by six of them. Protective Life and Pacific Life are the strongest alternatives for buyers who weight conversion flexibility or carrier strength differently, and Transamerica is the leading choice for buyers who want built-in living benefits. This index studied 7 AI platforms — OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, and Google — using one standardized prompt sent once to each. Of 20 unique entities named, 10…","target_buyer":"A healthy nonsmoking 40-year-old wants $500,000 of term life insurance coverage for 20 years.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive premiums","straightforward underwriting","a reputable carrier","and reasonable policy flexibility."],"geography":"United States","slug":"best-term-life-insurance-for-500-000-in-coverage","title":"Best Term Life Insurance for $500,000 in Coverage","use_case":"Term Life Insurance for $500,000 in Coverage"}}