{"citations":{"source_mix":{"company_owned":8,"independent":38,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":17},"total_sources":50,"unique_domain_count":29},"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 60s","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for People in Their 60s","subject":"John Hancock","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.5,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"John Hancock","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-people-in-their-60s/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-people-in-their-60s/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-7AD95EE21662","title":"John Hancock for Term Life Insurance for People in Their 60s: 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 13:08:47.050557+00","research_date":"2026-09-20","source_snapshot_sha256":"3e2c7bbfcad97e181d2c8f8761b3b7645a61c3c1c827d1c76fdad99518df9825","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":16,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a mixed-to-good fit for a nonsmoking consumer in their 60s seeking term life insurance. Four of seven platforms named it during ranking discovery, with an average listed rank of 6.5 and a best rank of 5. The strongest reason to consider it is broad public issue-age eligibility to 80, multiple term lengths, and A+ (Superior) financial-strength evidence from AM Best. The main limitation is that no carrier-published, age-60s premium was recovered, and maximum issue ages by term length are inconsistently reported, so competitive pricing and exact eligibility remain unverified.","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"}}