{"citations":{"source_mix":{"company_owned":19,"independent":29,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":45,"partial":3},"total_sources":48,"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 Small Business Owners","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google"],"predicate":"final_consensus_rank","qualifier":"Term Life Insurance for Small Business Owners","subject":"Legal & General America","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Legal & General America","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Legal & General America","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Legal & General America","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Legal & General America","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Legal & General America","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/term-life-insurance/term-life-insurance-for-small-business-owners/legal-general-america.json","page_url":"https://lifeinsuranceconsensusindex.com/term-life-insurance/term-life-insurance-for-small-business-owners/legal-general-america","report_type":"fit_review","study_id":"LICI-STUDY-016ECC932EB2","title":"Legal & General America for Term Life Insurance for Small Business Owners: 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":"2026-09-21 10:56:18.100189+00","research_date":"2026-09-20","source_snapshot_sha256":"3fca3f66470005ea223cdfa8638916c31d1dc45dba55b1dba551da464dc95668","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Legal & General America — operating in the U.S. through Banner life insurance Company and its OPTerm level-term product — is a good fit for many small business owners who need substantial, temporary death benefit for income replacement, business debt, or working-life obligations. Two of the seven platforms in this study named Legal & General America during the ranking stage, and it reached the finalist set. The strongest reason to consider it is OPTerm's combination of long level-term durations (up to 40 years), high coverage capacity, and competitive pricing. The main limitation is that the…","target_buyer":"A small business owner wants term life insurance to protect their family and business-related financial obligations during their working years.","topic":{"base_category":"Term Life Insurance","category_criteria":["They may need substantial coverage for income replacement","business debts","or other temporary obligations and want competitive pricing","flexible coverage amounts","and a financially established carrier."],"geography":"United States","slug":"best-term-life-insurance-for-small-business-owners","title":"Best Term Life Insurance for Small Business Owners","use_case":"Term Life Insurance for Small Business Owners"}}