{"citations":{"source_mix":{"company_owned":15,"independent":19,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":11,"partial":12},"total_sources":36,"unique_domain_count":19},"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 10-Pay Whole Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","openai"],"predicate":"final_consensus_rank","qualifier":"10-Pay Whole Life Insurance","subject":"State Farm","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"State Farm","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"State Farm","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"State Farm","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"State Farm","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"State Farm","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.25,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"State Farm","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/10-pay-whole-life-insurance/state-farm.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/10-pay-whole-life-insurance/state-farm","report_type":"fit_review","study_id":"LICI-STUDY-9950C226CD58","title":"State Farm for 10-Pay Whole Life Insurance: 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":"2026-09-21 15:00:56.248144+00","research_date":"2026-09-20","source_snapshot_sha256":"d4391521c19107f22e2fb7ad32100a527a958677c06f33f594955e4a2ddc7c41","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"State Farm is a good fit for a buyer who wants permanent whole life coverage with premiums concentrated into roughly 10 years, guaranteed cash value, and an established insurer. Four of seven platforms named State Farm during the ranking stage (57% of included platform responses), with an average listed rank of 6.25 and a best listed rank of 4. Its strongest advantage is a directly matching product: State Farm Limited Pay Life with a 10-year payment option, lifetime coverage, and guaranteed cash value (openai:sf-limited-pay). The main limitation is transparency: State Farm publishes only an…","target_buyer":"A consumer wants permanent whole life insurance but prefers to complete all scheduled premium payments over approximately 10 years rather than paying premiums throughout life.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They want lifetime coverage after the limited-pay period","guaranteed values","cash-value accumulation","and a financially established insurer."],"geography":"United States","slug":"best-10-pay-whole-life-insurance","title":"Best 10-Pay Whole Life Insurance","use_case":"10-Pay Whole Life Insurance"}}