{"citations":{"source_mix":{"company_owned":7,"independent":11,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":13,"partial":5},"total_sources":18,"unique_domain_count":10},"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 $500,000 in Coverage","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for $500,000 in Coverage","subject":"SBLI","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"SBLI","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":"SBLI","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"SBLI","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"SBLI","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":7,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"SBLI","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-5-dollar-00-000-in-coverage/sbli.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-5-dollar-00-000-in-coverage/sbli","report_type":"fit_review","study_id":"LICI-STUDY-F485480C7959","title":"SBLI 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":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 13:51:02.911194+00","research_date":"2026-09-20","source_snapshot_sha256":"351fd9a1e91c7bdbce99f334e4a1b2ba89b8a561b8f7c3c29f9ea54bdb1fe701","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":16,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"SBLI is a good — not conclusively best — fit for a healthy nonsmoking 40-year-old seeking $500,000 of 20-year term coverage. Two of six platforms named SBLI during the ranking stage (deepseek and perplexity), both at rank 7, giving it a 33% share of included platform responses. The strongest reason to consider it is that the requested $500,000 face amount and 20-year duration sit squarely inside SBLI's published product range, with level premiums, an accelerated no-exam underwriting path, and conversion flexibility. The main limitation is price: SBLI's published sample rates and independent…","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"}}