{"citations":{"source_mix":{"company_owned":20,"independent":27,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":36,"partial":12},"total_sources":49,"unique_domain_count":27},"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 50s","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 50s","subject":"Banner Life","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Banner Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Banner Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Banner Life","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-people-in-their-50s/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-people-in-their-50s/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-8FFC6C58B655","title":"Banner Life for Term Life Insurance for People in Their 50s: 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 12:40:39.895792+00","research_date":"2026-09-20","source_snapshot_sha256":"aa6892468a1a7dd9eb86235fe3aab6bc7bd2708ecd6a700d11722e2e3902bbd5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a good fit for a nonsmoker in their 50s seeking $500,000 of 20-year term coverage, but it is not a guaranteed best buy without side-by-side quotes. Six of the seven included platforms named Banner Life during ranking discovery, and all six ranked it first. The strongest reason to consider it is the OPTerm 20 product structure: level premiums for 20 years, issue ages that include the 50s, and conversion rights to permanent coverage before age 70. The main limitation is that no verified premium exists for this exact buyer profile, and Banner's AM Best rating was downgraded from…","target_buyer":"A nonsmoking consumer in their 50s 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","reasonable underwriting","a financially established carrier","and useful policy options."],"geography":"United States","slug":"best-term-life-insurance-for-people-in-their-50s","title":"Best Term Life Insurance for People in Their 50s","use_case":"Term Life Insurance for People in Their 50s"}}