{"citations":{"source_mix":{"company_owned":13,"independent":23,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":7},"total_sources":36,"unique_domain_count":21},"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":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for Mortgage Protection","subject":"State Farm","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"State Farm","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"State Farm","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"State Farm","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"State Farm","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-mortgage-protection/state-farm.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-mortgage-protection/state-farm","report_type":"fit_review","study_id":"LICI-STUDY-BEEBC998C278","title":"State Farm 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.","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 10:51:03.301477+00","research_date":"2026-09-20","source_snapshot_sha256":"79160319b6713196a6b86c81c96872c89a7671ff84c0d670fdd43cfcf264f721","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"State Farm is a good fit for a homeowner who wants ordinary individual term life insurance to protect a family from a large remaining mortgage, but it is not clearly the cheapest option. Two of the seven platforms in this study named State Farm during the ranking stage, at an average listed rank of 5.0 (best rank 4). The strongest reason to consider it is State Farm Select Term Life: a 10-, 20-, or 30-year level-premium policy that pays a named beneficiary rather than the lender, backed by a large, established carrier. The main limitation is that no public, buyer-specific pricing exists, and…","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"}}