{"citations":{"source_mix":{"company_owned":20,"independent":30,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":42,"partial":11},"total_sources":53,"unique_domain_count":30},"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":["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-003","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-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Haven Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","grok","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Haven Life","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Haven Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.3333333333333335,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Haven Life","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-people-in-their-40s/haven-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-people-in-their-40s/haven-life","report_type":"fit_review","study_id":"LICI-STUDY-10357E322974","title":"Haven Life for Term Life Insurance for People in Their 40s: 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":"2026-09-20 12:29:05.873404+00","research_date":"2026-09-20","source_snapshot_sha256":"faa8ec712008b3349059eb5eeab75e44c8e00af2484312529664f5bf8c60321a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Haven Life is a weak fit for a new buyer in 2026. Three of seven platforms named Haven Life during ranking discovery, and it placed sixth overall with an average listed rank of 3.33 and a best rank of 1. The strongest reason to consider it is historical: Haven Term matched the requested 20-year, $500,000 structure and was issued by MassMutual, a carrier with top-tier reported financial-strength ratings. The decisive limitation is availability — independent reporting says Haven Life stopped accepting new life insurance applications on January 12, 2024, and ceased issuing new policies on March…","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"}}