{"citations":{"source_mix":{"company_owned":142,"independent":227,"unclear":12},"sources_referenced_by_questions":0,"support_mix":{"direct":260,"partial":78},"total_sources":381,"unique_domain_count":132},"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 People in Their 40s","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Protective Life","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Pacific Life","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":7},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Banner Life","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":6},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Transamerica","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Transamerica","unit":"platforms","value":5},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Mutual of Omaha","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":5},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Haven Life","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Haven Life","unit":"platforms","value":3},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Prudential Financial","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Prudential Financial","unit":"platforms","value":3},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Symetra","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Symetra","unit":"platforms","value":3},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","kimi"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Corebridge Financial","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Corebridge Financial","unit":"platforms","value":2},{"claim_id":"claim-020","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 40s","subject":"Nationwide","unit":"rank","value":10},{"claim_id":"claim-021","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Nationwide","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.4285714285714284,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Protective Life","platform_mentions":7,"platform_share":1},{"average_rank":3.7142857142857144,"best_rank":2,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Pacific Life","platform_mentions":7,"platform_share":1},{"average_rank":1,"best_rank":1,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Banner Life","platform_mentions":6,"platform_share":0.8571428571428571},{"average_rank":5.4,"best_rank":2,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"Transamerica","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":8.4,"best_rank":7,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"Mutual of Omaha","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":3.3333333333333335,"best_rank":1,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Haven Life","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":7,"best_rank":5,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"Prudential Financial","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":7,"best_rank":5,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"Symetra","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":4.5,"best_rank":4,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Corebridge Financial","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":5,"best_rank":4,"entity_id":"entity-010","entity_type":"company","final_rank":10,"name":"Nationwide","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-people-in-their-40s.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-people-in-their-40s","report_type":"best_of_index","study_id":"LICI-STUDY-733E81C15A6A","title":"Best Term Life Insurance for Term Life Insurance for People in Their 40s: 7-Platform AI Consensus Index"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, 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":"2026-09-20 12:36:47.082528+00","research_date":"2026-09-20","source_snapshot_sha256":"9186624199f3c610d3e757c050066d8d5fcff277860d22457cef585bcc9e7a36","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is the consensus leader for a nonsmoking consumer in their 40s seeking $500,000 of 20-year term coverage, named by all seven platforms studied (100.0% share) at an average listed position of 2.43. Pacific Life also appeared on all seven platforms (100.0%) and is the strongest alternative for buyers who prioritize accelerated, no-exam underwriting and conversion flexibility. Banner Life holds the best average listed position of any carrier (1.00) but was named by six of seven platforms (85.7%), making it the price-focused alternative. Transamerica and Mutual of Omaha round out…","target_buyer":"A nonsmoking consumer in their 40s with average-to-good health wants $500,000 of term life insurance for 20 years.","topic":{"base_category":"Term Life Insurance","category_criteria":["They want competitive premiums","dependable underwriting","a financially established carrier","and useful policy options."],"geography":"United States","slug":"best-term-life-insurance-for-people-in-their-40s","title":"Best Term Life Insurance for People in Their 40s","use_case":"Term Life Insurance for People in Their 40s"}}