{"citations":{"source_mix":{"company_owned":14,"independent":35,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":5},"total_sources":49,"unique_domain_count":19},"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":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $500,000 in Coverage","subject":"Pacific Life","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":"Pacific Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Pacific Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.571428571428571,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Pacific Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-5-dollar-00-000-in-coverage/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-5-dollar-00-000-in-coverage/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-F8F0EA1F808A","title":"Pacific 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.","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 09:32:12.977448+00","research_date":"2026-09-20","source_snapshot_sha256":"3a11b7a7ec1c41644eb4ff51cae742a1393f7c8b335e156959b7a0a3db86065a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a good fit for a healthy nonsmoking 40-year-old seeking $500,000 of 20-year term coverage, subject to price verification. All seven platforms named Pacific Life during the ranking stage, and its PL Promise Term 20-year product matches the requested term and face amount, supports non-tobacco underwriting classes, and offers conversion without new underwriting. The strongest reason to consider it is the combination of a highly rated carrier, a direct 20-year product match, and conversion flexibility generally available up to attained age 70. The main limitation is that 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"}}