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google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 13:18:38.369492+00","research_date":"2026-09-20","source_snapshot_sha256":"20ac578210db04110fa05a2f2f6401c8d4216f6de08c89be81cd875194d47db5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":16,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life ranks first in this 7-platform consensus index of term life insurance carriers for a nonsmoking consumer in their 60s with average-to-good health, named by all seven platforms studied. Pacific Life and Protective Life follow, each also named by all seven platforms. The strongest alternatives for distinct buyer needs are Penn Mutual for the lowest reported premiums among women in their early-to-mid 60s, John Hancock for men and for buyers who will actively use a wellness-linked premium program, and Mutual of Omaha for simplified-issue coverage and smaller face amounts. The study…","target_buyer":"A nonsmoking consumer in their 60s with average-to-good health wants term life insurance and is looking for a carrier offering competitive premiums, reasonable issue-age limits, useful term-length choices, and financially strong coverage.","topic":{"base_category":"Term Life Insurance","category_criteria":["Term life insurance and is looking for a carrier offering competitive premiums","reasonable issue-age limits","useful term-length choices","and financially strong coverage."],"geography":"United States","slug":"best-term-life-insurance-for-people-in-their-60s","title":"Best Term Life Insurance for People in Their 60s","use_case":"Term Life Insurance for People in Their 60s"}}