{"citations":{"source_mix":{"company_owned":14,"independent":38,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":41,"partial":11},"total_sources":53,"unique_domain_count":33},"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","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 50s","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":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Pacific Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.142857142857143,"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-50s/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-people-in-their-50s/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-D833207B5949","title":"Pacific 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.","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 12:42:00.413986+00","research_date":"2026-09-20","source_snapshot_sha256":"3d4cc22b8daf34f676ca6a6fc9e05b25f92e478d34e78e4c7d577b5cdd54b323","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a good fit for a nonsmoking buyer in their 50s seeking $500,000 of 20-year term coverage, but it is not a confirmed best buy. All seven platforms named Pacific Life during ranking discovery, and all seven rated its use-case fit as good or strong. The strongest reason to consider it is the combination of a financially established carrier, a 20-year level term product, and conversion to permanent coverage without new underwriting. The main limitation is price: no platform verified an individualized Pacific Life premium for average-to-good health in the 50s, and several…","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"}}