{"citations":{"source_mix":{"company_owned":21,"independent":11,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":8},"total_sources":33,"unique_domain_count":12},"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 Parents With Young Children","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for Parents With Young Children","subject":"Guardian Life","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Guardian Life","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Guardian Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guardian Life","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.1666666666666665,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Guardian Life","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-parents-with-young-children/guardian-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-parents-with-young-children/guardian-life","report_type":"fit_review","study_id":"LICI-STUDY-AE020271572C","title":"Guardian Life for Term Life Insurance for Parents With Young Children: 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.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","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 10:18:04.211011+00","research_date":"2026-09-20","source_snapshot_sha256":"0ecc97d8cac89a3b003383ffbdf419958ce72bf7d6951659b66ad8603ec64aa9","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Guardian Life is a good fit for parents with young children who want level term coverage sized to the dependent years, especially a 20- or 30-year policy with conversion flexibility. Six of seven platforms named Guardian Life during ranking discovery, and it finished first overall with an average listed rank of 2.17. The strongest reason to consider it is the combination of multiple term durations, a built-in five-year conversion privilege, an optional Extended Conversion Rider, and top-tier financial-strength ratings. The main limitation is that Guardian is not consistently the cheapest…","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"}}