{"citations":{"source_mix":{"company_owned":14,"independent":23,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":13},"total_sources":40,"unique_domain_count":26},"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":["deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 50s","subject":"Principal Financial Group","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Principal Financial Group","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Principal Financial Group","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Principal Financial Group","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Principal Financial Group","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Principal Financial Group","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Principal Financial Group","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-people-in-their-50s/principal-financial-group.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-people-in-their-50s/principal-financial-group","report_type":"fit_review","study_id":"LICI-STUDY-C73679C01237","title":"Principal Financial Group 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 12:56:30.904949+00","research_date":"2026-09-20","source_snapshot_sha256":"cbdc2fa70c146c66ef0fc0abf97ab724aa0309a736ed55f33f3b8b35acee9a41","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Principal Financial Group is a qualified but contested fit for a nonsmoking buyer in their 50s seeking $500,000 of 20-year term life insurance. Two of seven platforms named Principal during the ranking stage — deepseek and perplexity, both at rank 5 — giving it a 28.6% share of included platform responses. The strongest reason to consider it is carrier strength plus product structure: Principal Term 20 matches the requested duration, offers conversion and multiple riders, and the issuing insurers carry A+ AM Best ratings . The main limitation is a hard factual conflict: three platforms…","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"}}