{"citations":{"source_mix":{"company_owned":11,"independent":24,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":6},"total_sources":36,"unique_domain_count":21},"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","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-003","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-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Transamerica","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Transamerica","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Transamerica","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-people-in-their-40s/transamerica.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-people-in-their-40s/transamerica","report_type":"fit_review","study_id":"LICI-STUDY-4B4630CAECDD","title":"Transamerica 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.","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 12:22:14.858354+00","research_date":"2026-09-20","source_snapshot_sha256":"237dbd31854417b385e792af10e607fbcd18811a05ce4839030c597b6f9eac15","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Transamerica is a good, price-led fit for a nonsmoking person in their 40s seeking $500,000 of 20-year term coverage, but it is not an automatic best choice. Five of the seven platforms in this study named Transamerica during the ranking stage — 71% of included platform responses — at an average listed rank of 5.4 and a best listed rank of 2. The strongest reason to consider it is competitive reported pricing on the Trendsetter Super 20-year term product, with independent 2026 estimates of roughly $37 per month for women and $46 per month for men at age 40. The main limitation is materially…","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"}}