{"citations":{"source_mix":{"company_owned":11,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":7},"total_sources":23,"unique_domain_count":13},"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","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for Parents With Young Children","subject":"Lincoln Financial","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln Financial","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lincoln Financial","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Lincoln Financial","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.75,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Lincoln Financial","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/lincoln-financial.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-parents-with-young-children/lincoln-financial","report_type":"fit_review","study_id":"LICI-STUDY-80E0D1760C86","title":"Lincoln Financial 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.","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 10:29:51.618499+00","research_date":"2026-09-20","source_snapshot_sha256":"0eba95476331d344bf530a18524563a09819560a5ad622bcd7e0801c54c7fef8","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Lincoln Financial is a good fit for many parents with young children, but not an unequivocal one. Four of the seven platforms in this study named Lincoln Financial during the ranking stage, and all seven that evaluated it rated the fit \"good\" except DeepSeek, which rated it \"mixed.\" The strongest reason to consider it is Lincoln TermAccel: 10-, 15-, 20-, and 30-year level term coverage from $100,000 to $2.5 million, with a streamlined electronic application, possible lab-free underwriting, and conversion to a Lincoln permanent policy. The main limitation is that Lincoln publishes no…","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"}}