{"citations":{"source_mix":{"company_owned":12,"independent":24,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":6},"total_sources":36,"unique_domain_count":22},"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 $500,000 in Coverage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $500,000 in Coverage","subject":"Haven Life","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Haven Life","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Haven Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Haven Life","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Haven Life","unit":"platforms","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Haven Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Haven Life","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-5-dollar-00-000-in-coverage/haven-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-5-dollar-00-000-in-coverage/haven-life","report_type":"fit_review","study_id":"LICI-STUDY-3A4E4AC72621","title":"Haven Life for Term Life Insurance for $500,000 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.","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 09:44:45.517593+00","research_date":"2026-09-20","source_snapshot_sha256":"d9698c8dbb263d88ebf1c64f9a250bfbba79b2fea0cc43320529ac9a67954041","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Haven Life is a weak fit for a healthy nonsmoking 40-year-old seeking $500,000 of 20-year term coverage in 2026. Two of seven platforms named Haven Life during the ranking stage, and the carrier finished ninth overall. The strongest reason to consider it is historical: Haven Term was structurally built for this exact request — 20-year level term, $500,000 coverage, online application, and MassMutual backing. The decisive limitation is that independent reporting states Haven Life stopped accepting new applications on January 12, 2024, and stopped issuing new policies after March 31, 2024. No…","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"}}