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Farm","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-mortgage-protection.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-mortgage-protection","report_type":"best_of_index","study_id":"LICI-STUDY-6B1437169CA4","title":"Best Term Life Insurance for Term Life Insurance for Mortgage Protection: 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 10:54:41.304927+00","research_date":"2026-09-20","source_snapshot_sha256":"b039d66b771caf2e74d9038f3d94b80e0d848e51785cdaaa472b1204e0be1881","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is the consensus leader for term life insurance used as mortgage protection, named by all seven platforms studied (100.0% share) at an average listed position of 1.86. Protective Life and Pacific Life also appeared on all seven platforms, at average positions of 2.71 and 3.71 respectively. The strongest alternatives for distinct buyer needs are Protective Life for 35- and 40-year term lengths, Pacific Life for a 25-year term match and no-exam underwriting up to $3 million, Corebridge Financial for single-year term customization, and Nationwide for a fully digital no-exam path.…","target_buyer":"A homeowner wants term life insurance primarily to protect their family from the financial burden of a large remaining mortgage if they die.","topic":{"base_category":"Term Life Insurance","category_criteria":["They prefer ordinary individual term life insurance rather than a lender-controlled mortgage life policy and want affordable coverage with an appropriate term length and financially established carrier."],"geography":"United States","slug":"best-term-life-insurance-for-mortgage-protection","title":"Best Term Life Insurance for Mortgage Protection","use_case":"Term Life Insurance for Mortgage Protection"}}