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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 10:36:37.540911+00","research_date":"2026-09-20","source_snapshot_sha256":"5387218eaf0cb55d114eb334eef9f437bb357e36a960db3012f21522b3577ff1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Guardian Life is the consensus leader for term life insurance for parents with young children, named by 6 of 7 platforms at an average listed position of 2.17 and a best position of 1. Banner Life is the strongest alternative for parents who want the longest level-term durations (up to 40 years) and among the lowest reported premiums, while Fidelity Life leads on child-rider cost efficiency for multi-child households and Ladder leads on adjustable coverage that shrinks as children grow. Seven platforms were studied — OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, and Google — using one…","target_buyer":"Parents with young children want term life insurance designed to protect their family during the years when their children are financially dependent on them.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want enough coverage to replace income","help pay household expenses and education costs","and remain in force through the children's dependent years while keeping premiums affordable."],"geography":"United States","slug":"best-term-life-insurance-for-parents-with-young-children","title":"Best Term Life Insurance for Parents With Young Children","use_case":"Term Life Insurance for Parents With Young Children"}}