{"citations":{"source_mix":{"company_owned":22,"independent":20,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":7},"total_sources":43,"unique_domain_count":25},"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 Mortgage Protection","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 Mortgage Protection","subject":"Protective Life","unit":"rank","value":2},{"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":"Protective Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Protective Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.7142857142857144,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Protective Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-mortgage-protection/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-mortgage-protection/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-9D84FE394D5C","title":"Protective Life for Term Life Insurance for Mortgage Protection: 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 10:31:27.519627+00","research_date":"2026-09-20","source_snapshot_sha256":"245430c0b22070712cae289a556c57654ac400e6a85eb18ed87adc6324d28d20","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a good fit for a homeowner who wants ordinary individual term life insurance to protect a family from a remaining mortgage. All seven platforms named Protective Life in the ranking stage, and it finished second overall with an average listed rank of 2.71 and a best rank of 1. The strongest reason to consider it is Protective Classic Choice Term: level coverage with 10- to 40-year terms, $100,000 to $50 million of face amount, and a conversion option . The main limitation is that no buyer-specific premium can be verified without a quote, and independent reviews report…","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"}}