{"citations":{"source_mix":{"company_owned":18,"independent":25,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":38,"partial":5},"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 Parents With Young Children","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for Parents With Young Children","subject":"Ladder","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ladder","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Ladder","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ladder","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.75,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Ladder","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-parents-with-young-children/ladder.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-parents-with-young-children/ladder","report_type":"fit_review","study_id":"LICI-STUDY-3652C7467072","title":"Ladder 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.","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 10:31:05.513527+00","research_date":"2026-09-20","source_snapshot_sha256":"1f9d35c42d034a5a42088e9ca6ce60f212dd5e1044820a3063f8be4eefcedfd7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Ladder is a good fit for generally healthy parents who want level-premium term coverage lasting through their children's dependent years and value an online application with the option to reduce coverage later. Four of the seven platforms in this study named Ladder during the ranking stage, and all seven evaluated it for this use case, with fit ratings ranging from \"good\" to \"strong.\" The strongest reason to consider it is the combination of 10- to 30-year level terms, fixed premiums, and free coverage reductions as obligations decline. The main limitation is that Ladder sells term-only…","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"}}