{"citations":{"source_mix":{"company_owned":15,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":3},"total_sources":29,"unique_domain_count":15},"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":"Pacific Life","unit":"rank","value":2},{"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":"Pacific Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Pacific Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.7142857142857144,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Pacific Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-people-in-their-40s/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-people-in-their-40s/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-F1F369E196AE","title":"Pacific 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.","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.","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 12:26:11.010712+00","research_date":"2026-09-20","source_snapshot_sha256":"2cbbac51f9607ae28924a52aa1838461f261c3533cdd36727ad27463dc0917e4","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a good fit for a nonsmoking consumer in their 40s seeking $500,000 of 20-year term coverage, especially when conversion flexibility and carrier financial strength matter more than the absolute lowest premium. All 7 platforms named Pacific Life during the ranking stage, a 100% share of included platform responses, at an average listed rank of 3.7 and a best rank of 2. The strongest reason to consider it is the PL Promise Term design: 20-year level premiums, accelerated underwriting up to $3 million for ages 18–60, and conversion to permanent coverage without new medical…","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"}}