Life Insurance
Consensus Index

AI Consensus Fit Review

Penn Mutual Term Life Insurance Fit Review for $2 Million or More in Coverage

Penn Mutual is a good fit for a healthy, high-income, nonsmoking 40-year-old seeking at least $2 million of 20-year term coverage.

Research: 2026-09-207 usable platform responsesRead the methodology ↗

Share

Answer Capsule

Penn Mutual is a good fit for a healthy, high-income, nonsmoking 40-year-old seeking at least $2 million of 20-year term coverage. Five of seven platforms named Penn Mutual during the ranking stage, and its Guaranteed Convertible Term (GCT) product matches the requested 20-year duration with published issue ages that include age 40. The strongest reason to consider it is the combination of broad conversion rights without new medical underwriting and a company-claimed accelerated-underwriting ceiling up to $10 million. The main limitation is that no platform produced a verified, applicant-specific premium for this exact profile, and the $10 million no-exam figure is a conditional company claim, not a guarantee.

Research Snapshot

FieldFinding
Platform mentions in ranking stage5 of 7 platforms (anthropic, google, grok, kimi, perplexity)
Share of included platform responses71.4%
Average listed rank2.2
Best listed rank1 (google, kimi)
Relevant product/model/planGuaranteed Convertible Term (GCT), 20-year option, with Accelerated Client Experience (ACE) underwriting where eligible
Overall use-case fitGood (openai, anthropic, perplexity); strong (google, grok, kimi); mixed (deepseek)
Research date2026-09-20

Why Penn Mutual Qualified for This Study

Questions This Section Answers

  • Is Penn Mutual a good choice for Term Life Insurance for $2 Million or More in Coverage?
  • Why did AI platforms rank Penn Mutual for a $2 million 20-year term policy?

Penn Mutual qualified because it offers a named product that matches the buyer's exact request: a 20-year convertible term policy with published issue ages that include age 40 [1]. Five of seven platforms named it during ranking discovery, with an average listed rank of 2.2 and two first-place placements (google, kimi).

The carrier also cleared the study's four criteria in different ways. On pricing, MoneyGeek's 2026 analysis placed Penn Mutual at the lowest average monthly rate for a $2 million 20-year term policy at $126 overall, versus $168 for women and $216 for men at age 40 [3]. On large face amounts, independent reviews describe term coverage from $100,000 to $10 million [5]. On underwriting efficiency, Penn Mutual markets its ACE platform as available with most term and permanent single-life products [7]. On conversion, the GCT brochure states policyholders can convert without evidence of insurability [8].

Deepseek was the only platform that rated fit as mixed, citing unverified pricing and the absence of a published $10 million no-exam program on Penn Mutual's own site [10]. That dissent is preserved in this review rather than averaged away.

The Product, Model, Plan, or Service Most Relevant to Term Life Insurance for $2 Million or More in Coverage

Questions This Section Answers

  • Which Penn Mutual plan should a 40-year-old buyer choose for $2 million of 20-year term coverage?
  • Does Penn Mutual's Guaranteed Convertible Term 20-year option allow conversion to permanent coverage without a new medical exam?

The relevant product is Guaranteed Convertible Term (GCT), specifically the 20-year option, paired with ACE underwriting where the applicant qualifies [12]. Every platform that named a product named GCT or its 20-year variant.

Penn Mutual's official GCT rider material lists 10-, 15-, 20-, and 30-year terms and gives the 20-year issue-age range as 20 through 50, which includes the target buyer's age 40 [12]. A separate company page lists GCT issue ages of 20–55, with age 50 for 30-year tobacco classes [14]. The minimum face amount is $250,000, well below the $2 million target [15].

Penn Mutual describes term insurance as providing a guaranteed death benefit for a set period at a rate that will not increase during the term, with conversion to permanent insurance generally without new health questions [17]. The GCT client brochure states that as a policyholder you can convert to permanent life insurance without evidence of insurability [18].

What the AI Platforms Agreed About

Questions This Section Answers

  • What do AI platforms agree on about Penn Mutual's conversion privileges for a $2 million term policy?
  • Is Penn Mutual's no-exam underwriting limit high enough for a $2 million 20-year term policy?

Four points drew broad agreement across the platforms that named Penn Mutual.

Conversion rights are a genuine strength. Penn Mutual's conversion material describes conversion to currently offered permanent products, partial or full conversion, conversion during the eligible term period, and a conversion credit beginning in the second policy year [20]. Conversion is available up to the policy anniversary nearest the insured's 70th birthday [21]. A partial conversion must leave at least $100,000 of remaining term coverage [20].

The no-exam ceiling is unusually high, but conditional. Penn Mutual marketing states that qualified applicants may obtain up to $10 million through accelerated underwriting without medical exams or blood work, subject to stated conditions [24]. Independent reviews repeat the $10 million figure for eligible applicants up to age 65 [25]. Penn Mutual's own FAQ describes eligibility as ages 0–65, face amounts up to $10,000,000 less in-force amounts, and standard or better risk classes [29].

The 20-year term matches the request. Penn Mutual's GCT brochure states the product offers 10, 15, 20, or 30 years with premiums guaranteed for the selected policy period [30]. Independent reviews describe term coverage from $100,000 to $10 million [31].

Distribution runs through financial professionals. Penn Mutual does not provide online quotes or applications, and buyers must speak with a financial professional to apply [33].

Where the AI Platforms Disagreed or Were Uncertain

Questions This Section Answers

  • Is Penn Mutual actually the cheapest carrier for a $2 million 20-year term policy for a healthy 40-year-old?
  • Does Penn Mutual's $10 million no-exam limit apply to a $2 million policy in every state?

Pricing competitiveness is contested. MoneyGeek's 2026 rate analysis placed Penn Mutual at the lowest average monthly rate for $2 million 20-year term at $126 overall, with $169 for men and $126 for women at age 40 [36]. But other independent sources say the convertible term product usually does not compete with top carriers on price because conversion rights add cost [41]. Deepseek reported that independent comparison sources generally do not rank Penn Mutual among the cheapest term carriers [45]. The premium differential between GCT and Penn Mutual's non-convertible Protection Term at the $2 million level is not publicly disclosed [43].

The no-exam ceiling is reported inconsistently. Penn Mutual's own materials and several independent reviews cite $10 million [46]. RiskQuoter cites $7.5 million through ACE [49], and another independent comparison cites $5 million for top health classes [50]. Google's response attributes the spread to differing third-party summaries rather than a confirmed product change [49].

New York availability is disputed. One Penn Mutual page states the main GCT product is not offered in New York [52], and a separate page describes a New York version offered through Penn Insurance and Annuity Company of New York [53]. Google reported that the standard GCT product and the ACE platform are unavailable in New York [54], while Perplexity cited Penn Mutual materials saying GCT is available in all states including New York with a different conversion path [56]. Buyers in New York must confirm which entity issues the policy and what conversion terms apply.

Conversion age caps differ slightly. Most sources support conversion up to age 70 [58], while one WSJ review says age 69 [60]. The precise cap should be read from the delivered contract.

Use-Case-Specific Features and Capabilities

Questions This Section Answers

  • What features make Penn Mutual's Guaranteed Convertible Term suitable for a $2 million income-replacement policy?
  • How fast can Penn Mutual issue a $2 million term policy through ACE underwriting?

Term length and issue age. GCT offers a 20-year term with issue ages that include the target buyer's age 40 [61]. Penn Mutual allows 15- and 20-year terms to be purchased until age 65 [63].

Large face amounts. Penn Mutual term policies are described as covering $100,000 to $10 million [64]. The GCT minimum face amount is $250,000 [66].

Accelerated underwriting. Penn Mutual states ACE is available with most of its term and permanent single-life insurance products [68]. Company material describes ACE as an end-to-end automated process that can issue policies in hours for issue ages 20 to 65 and up to $10 million [69]. Penn Mutual also states financial professionals use ACE for more than 90% of life insurance applications [70], and that accelerated underwriting means clients typically avoid intrusive medical exams, fluid tests, APS requirements, or phone interviews [71].

Conversion mechanics. Conversion is available to any Penn Mutual permanent product available in the buyer's state at any time during the level term period, up to the policy anniversary nearest age 70 [72]. For policies issued after May 1, 2024, an automatically included CIAB rider applies on conversions in the first 5 to 10 years, depending on term length [75]. A built-in conversion credit is applied to the first-year permanent premium [76].

Complaint record. MoneyGeek reported Penn Mutual's NAIC Complaint Index of 0.05 as the lowest among the life insurers it reviewed, against an industry average of 1.00 [78]. The same review reported a J.D. Power customer satisfaction score of 651, ranking 11th [78].

Pricing, Fees, Contracts, and Ongoing Costs

Questions This Section Answers

  • How much does Penn Mutual charge per month for a $2 million 20-year term policy for a 40-year-old nonsmoker?
  • Are there setup, rider, or cancellation fees on a Penn Mutual Guaranteed Convertible Term policy?

Published averages. MoneyGeek's 2026 analysis reported Penn Mutual at $126 per month overall for a $2 million 20-year term policy, with $169 for men and $126 for women at age 40 [80]. Kimi described these as the lowest independently verified rates at this coverage level as of mid-2026, with a $3–$7 monthly gap over the next-cheapest carrier [84].

Company example, not a quote. A Penn Mutual bulletin lists a 20-year, $1,000,000 example premium of $993.20 annually for one 45-year-old male in the best class and $1,191.40 in the second-best class [86]. That is an illustrative benchmark for a different age and face amount, not a quote for this buyer.

Contract terms. Premiums are guaranteed level for the selected term period [87]. Conversion is available without evidence of insurability to a permanent policy available for sale in the insured's state at conversion [88]. A partial conversion must leave at least $100,000 of remaining term coverage [89]. Google reported a standard 30-day free-look period [90]. No platform verified surrender charges, lapse grace-period details, or early termination fees for this product.

Fees and riders. Optional riders such as Accidental Death Benefit, Disability Waiver of Premium, Children's Term Insurance, and Guaranteed Increase Option carry additional premiums [91]. Conversion credits do not include policy fees, substandard-rate premiums, or optional-benefit premiums [89]. No separate policy fee was verified in the sources checked [92].

Pricing confidence is low to moderate. OpenAI rated pricing confidence low and stated no reliable public premium was found for the target profile [93]. Deepseek also rated confidence low and could not verify a $2 million, 20-year GCT premium from public sources [94]. Anthropic rated confidence moderate, and Kimi rated it high based on the MoneyGeek averages [80]. Buyers should treat all published figures as benchmarks until an applicant-specific illustration is issued.

Best Suited For

Questions This Section Answers

  • Who is Penn Mutual's Guaranteed Convertible Term best suited for at $2 million or more in coverage?
  • Is Penn Mutual a good fit for a buyer who wants to convert term coverage to permanent insurance later?

Penn Mutual is best suited for buyers who value conversion flexibility alongside large face amounts. The platforms converged on several buyer profiles.

  • Applicants who want conversion to permanent insurance without new medical underwriting [95].
  • Healthy applicants seeking $2 million or more where accelerated or no-exam underwriting could be available [98].
  • High-income buyers who want a carrier able to consider large face amounts [101].
  • Buyers willing to compare carrier-specific quotes through an independent life-insurance professional [103].
  • Buyers who may want permanent coverage later and prefer a mutual insurer structure [106].

Google rated Penn Mutual a strong fit, citing 2026 pricing updates targeting ages 35–55 and the $10 million automated underwriting ceiling [107]. Grok and Kimi also rated it strong [109]. OpenAI, Anthropic, and Perplexity rated it good [111].

Probably Not Best Suited For

Questions This Section Answers

  • Who should not choose Penn Mutual for a $2 million 20-year term policy?
  • Is Penn Mutual a poor fit for a buyer who wants to buy life insurance entirely online?

Penn Mutual is probably not the best fit for several buyer types.

  • Buyers selecting solely on the lowest guaranteed premium without obtaining competing quotes [112].
  • Applicants who require a fully confirmed no-exam approval before applying [115].
  • Buyers who want to complete the entire purchase online without working through an agent [118].
  • Buyers in a state or situation where the desired GCT terms or conversion products are unavailable [121].
  • Buyers who want adjustable coverage amounts without new policies [123].
  • Buyers who need policy riders for heavy customization, where Penn Mutual's rider documentation is thinner than some competitors [124].

When Another Option May Be Better

Questions This Section Answers

  • What is a better alternative to Penn Mutual for a buyer who needs the lowest possible $2 million term premium?
  • Which carrier is better than Penn Mutual for a buyer who wants term lengths beyond 20 years?

Another carrier may be better in specific situations.

When price is the only criterion. If a competing carrier's independently quoted 20-year premium is materially lower for the same underwriting class and policy features, that carrier is the better choice [125]. Kimi noted Banner Life at $172 per month for males versus Penn Mutual's $169, a near tie where other factors may dominate [126].

When term-length flexibility matters most. Banner Life offers 10–40 year terms with conversion to age 70 and a $4 million no-exam limit [126].

When adjustable coverage is wanted. Ladder offers up to $8 million with flexible coverage adjustment, but no riders and no permanent conversion options [128].

When conversion certainty is the primary objective. A carrier with clearer published eligibility rules or a stronger guaranteed conversion window may be better [129].

When speed and avoiding an exam outweigh conversion breadth. A carrier offering a confirmed accelerated-underwriting decision for the buyer's exact age, amount, and health profile may be better [131].

When the buyer lives in New York. Other nationwide carriers may offer broader product availability there [133].

An independent broker comparison is better than relying on Penn Mutual alone, because high-face-amount pricing and underwriting outcomes vary substantially by carrier and applicant profile [125].

Questions to Verify Before Buying

Questions This Section Answers

  • What should a buyer confirm with Penn Mutual before signing a $2 million term life contract?

  • How does Penn Mutual's quote compare with Banner Life, Protective, and Pacific Life for the same face amount?

  • For a healthy nonsmoking 40-year-old seeking exactly $2 million, $3 million, or more for 20 years, what is the guaranteed annual or monthly premium by underwriting class? [136]

  • Does the buyer qualify for ACE or another accelerated pathway, and is a paramedical exam, blood draw, urine test, ECG, or attending-physician statement required? [137]

  • Is the requested face amount available under the exact GCT form in the buyer's state? [139]

  • What are the maximum issue ages, minimum and maximum face amounts, and financial-underwriting limits for this case? [141]

  • What permanent products may be used for conversion, through what date, and are conversion rates based on attained age or another contract method? [143]

  • Is conversion available for the full amount, a partial amount, or both, and what minimum remaining term coverage applies? [143]

  • Are there state-specific restrictions, rider exclusions, contestability provisions, or suicide provisions that materially affect the policy? [144]

  • How does Penn Mutual's quote compare with Banner Life, Protective, Pacific Life, Principal, Prudential, and Lincoln Financial for the same face amount and underwriting class? [136]

  • What happens to the premium after the level term period, and what are the policy lapse and reinstatement provisions? [147]

  • What is the exact conversion credit amount in dollars or as a percentage, and does it include rider premiums? [143]

Final AI Consensus Verdict

Penn Mutual is a good fit for a healthy, high-income, nonsmoking 40-year-old seeking $2 million or more of 20-year term coverage. Six of seven platforms rated fit as good or strong, and five named the carrier during ranking discovery at an average rank of 2.2. The GCT product matches the requested duration, its published issue ages include age 40, its conversion provisions are a documented strength, and its ACE program may support unusually large accelerated-underwriting cases.

The buyer should not select Penn Mutual without obtaining a formal quote, confirming no-exam eligibility and state-specific terms, and comparing equivalent offers from several high-face-amount term carriers. Pricing evidence is mixed: one independent analysis places Penn Mutual at the lowest average monthly rate for $2 million 20-year term, while other independent sources say the convertible product does not compete on price and that Penn Mutual is not among the cheapest term carriers. The $10 million no-exam ceiling is a conditional company claim with third-party estimates ranging from $5 million to $10 million. New York availability and conversion terms are disputed across sources. Platform agreement on fit does not prove product quality or that Penn Mutual will be cheapest for this specific buyer.

How This Review Was Produced

This review synthesizes fit-research responses from seven AI platforms: OpenAI (gpt-5.6-luna), Anthropic (claude-haiku-4-5-20251001), Google (gemini-3.5-flash), Grok (x-ai/grok-4.3), Kimi (moonshotai/kimi-k2.6), Perplexity (perplexity/sonar), and Deepseek (deepseek-v4-flash). Each platform was asked which life insurance carriers it would recommend for a healthy high-income nonsmoking 40-year-old seeking at least $2 million of 20-year term coverage, and why. Penn Mutual was named by five of the seven platforms during ranking discovery. All seven platforms then produced fit-research responses evaluating Penn Mutual against the use case. The study research date is 2026-09-20. Platform-reported research dates range from 2026-06-11 (deepseek) to 2026-09-21 (all others). This article is part of the broader Term Life Insurance for $2 Million or More in Coverage consensus index.

Methodology Limitations

  • Platform-reported research dates differ from the authoritative run date of 2026-09-20. Deepseek's response is dated 2026-06-11, roughly three months earlier than the others, and its search was disabled, so its findings are platform-reported rather than retrieved.
  • Platform mentions count only platforms that named Penn Mutual during ranking discovery. All seven platforms evaluated fit, but only five named the entity in the ranking stage.
  • Citations are platform-reported evidence, not independently verified facts. The supplied URLs were collected from platform responses and were not independently validated by the writer stage.
  • No platform produced a verified, applicant-specific premium for a healthy nonsmoking 40-year-old buying $2 million of 20-year GCT coverage. Published averages and company examples are benchmarks, not quotes.
  • The $10 million no-exam figure is a conditional company claim. Third-party estimates range from $5 million to $10 million, and eligibility depends on product, state, age, health, financial profile, reinsurance, and automated-underwriting rules.
  • New York availability and conversion terms conflict across sources. Buyers in New York must confirm the issuing entity and applicable conversion path.
  • Product forms, underwriting rules, rates, and state availability can change. Current application materials and the delivered policy contract control.
  • No personal testing, customer experience, or independent verification of Penn Mutual's products was performed for this review.
From the index

Compare the adjacent findings before forming a view.

Sources

Company-Owned Sources

Independent Sources

Other Sources

  • New Term Pricing Positions Penn Mutual at the Top of the Market: https://1847financial.com/blog/new-term-pricing-positions-penn-mutual-at-the-top-of-the-market/
  • Additional AI research evidence148 records
    1. AI research evidence record openai:c1
    2. AI research evidence record anthropic:11-6
    3. AI research evidence record anthropic:2-2
    4. AI research evidence record anthropic:2-8
    5. AI research evidence record anthropic:1-1
    6. AI research evidence record perplexity:1
    7. AI research evidence record openai:c3
    8. AI research evidence record anthropic:41-1
    9. AI research evidence record grok:0
    10. AI research evidence record deepseek:c1
    11. AI research evidence record deepseek:c5
    12. AI research evidence record openai:c1
    13. AI research evidence record anthropic:14-1
    14. AI research evidence record anthropic:11-6
    15. AI research evidence record anthropic:17-1
    16. AI research evidence record anthropic:42-1
    17. AI research evidence record openai:c2
    18. AI research evidence record anthropic:41-1
    19. AI research evidence record grok:0
    20. AI research evidence record openai:c5
    21. AI research evidence record anthropic:12-2
    22. AI research evidence record anthropic:12-7
    23. AI research evidence record google:1.2.3
    24. AI research evidence record openai:c4
    25. AI research evidence record anthropic:19-1
    26. AI research evidence record anthropic:19-2
    27. AI research evidence record perplexity:5
    28. AI research evidence record perplexity:15
    29. AI research evidence record perplexity:9
    30. AI research evidence record perplexity:2
    31. AI research evidence record anthropic:1-1
    32. AI research evidence record perplexity:1
    33. AI research evidence record anthropic:6-4
    34. AI research evidence record anthropic:6-5
    35. AI research evidence record anthropic:28-12
    36. AI research evidence record anthropic:2-2
    37. AI research evidence record anthropic:2-4
    38. AI research evidence record anthropic:2-8
    39. AI research evidence record grok:3
    40. AI research evidence record kimi:moneygeek-2026
    41. AI research evidence record anthropic:3-3
    42. AI research evidence record anthropic:3-4
    43. AI research evidence record anthropic:37-1
    44. AI research evidence record anthropic:37-2
    45. AI research evidence record deepseek:c5
    46. AI research evidence record openai:c4
    47. AI research evidence record anthropic:19-1
    48. AI research evidence record perplexity:9
    49. AI research evidence record google:1.1.2
    50. AI research evidence record google:1.2.8
    51. AI research evidence record google:1.2.5
    52. AI research evidence record anthropic:10-4
    53. AI research evidence record anthropic:13-1
    54. AI research evidence record google:1.1.3
    55. AI research evidence record google:1.2.3
    56. AI research evidence record perplexity:12
    57. AI research evidence record perplexity:14
    58. AI research evidence record anthropic:12-2
    59. AI research evidence record perplexity:13
    60. AI research evidence record perplexity:3
    61. AI research evidence record openai:c1
    62. AI research evidence record anthropic:11-6
    63. AI research evidence record anthropic:37-8
    64. AI research evidence record anthropic:1-1
    65. AI research evidence record perplexity:1
    66. AI research evidence record anthropic:17-1
    67. AI research evidence record anthropic:42-1
    68. AI research evidence record openai:c3
    69. AI research evidence record anthropic:14-1
    70. AI research evidence record anthropic:29-2
    71. AI research evidence record anthropic:29-1
    72. AI research evidence record anthropic:12-2
    73. AI research evidence record anthropic:12-7
    74. AI research evidence record perplexity:14
    75. AI research evidence record perplexity:12
    76. AI research evidence record google:1.1.5
    77. AI research evidence record google:1.4.7
    78. AI research evidence record anthropic:1-5
    79. AI research evidence record anthropic:30-5
    80. AI research evidence record anthropic:2-2
    81. AI research evidence record anthropic:2-4
    82. AI research evidence record anthropic:2-8
    83. AI research evidence record grok:3
    84. AI research evidence record kimi:moneygeek-2026
    85. AI research evidence record kimi:legalclarity-2026
    86. AI research evidence record perplexity:7
    87. AI research evidence record perplexity:2
    88. AI research evidence record perplexity:14
    89. AI research evidence record openai:c5
    90. AI research evidence record google:1.2.3
    91. AI research evidence record anthropic:3-3
    92. AI research evidence record perplexity:9
    93. AI research evidence record openai:c6
    94. AI research evidence record deepseek:c1
    95. AI research evidence record openai:c5
    96. AI research evidence record anthropic:41-1
    97. AI research evidence record perplexity:14
    98. AI research evidence record openai:c4
    99. AI research evidence record anthropic:19-1
    100. AI research evidence record perplexity:9
    101. AI research evidence record anthropic:1-1
    102. AI research evidence record perplexity:1
    103. AI research evidence record anthropic:6-4
    104. AI research evidence record anthropic:6-5
    105. AI research evidence record anthropic:28-12
    106. AI research evidence record anthropic:1-5
    107. AI research evidence record google:1.3.4
    108. AI research evidence record google:1.1.1
    109. AI research evidence record grok:9
    110. AI research evidence record kimi:moneygeek-2026
    111. AI research evidence record openai:c6
    112. AI research evidence record openai:c6
    113. AI research evidence record anthropic:37-1
    114. AI research evidence record deepseek:c5
    115. AI research evidence record openai:c4
    116. AI research evidence record google:1.1.2
    117. AI research evidence record google:1.2.8
    118. AI research evidence record anthropic:6-4
    119. AI research evidence record anthropic:6-5
    120. AI research evidence record anthropic:28-12
    121. AI research evidence record anthropic:10-4
    122. AI research evidence record google:1.1.3
    123. AI research evidence record kimi:nerdwallet-ladder-2026
    124. AI research evidence record kimi:legalclarity-2026
    125. AI research evidence record openai:c6
    126. AI research evidence record kimi:financefundamentals-2026
    127. AI research evidence record kimi:moneygeek-2026
    128. AI research evidence record kimi:nerdwallet-ladder-2026
    129. AI research evidence record openai:c5
    130. AI research evidence record perplexity:14
    131. AI research evidence record openai:c4
    132. AI research evidence record google:1.1.2
    133. AI research evidence record google:1.1.3
    134. AI research evidence record anthropic:10-4
    135. AI research evidence record deepseek:c5
    136. AI research evidence record openai:c6
    137. AI research evidence record openai:c4
    138. AI research evidence record anthropic:29-1
    139. AI research evidence record anthropic:10-4
    140. AI research evidence record anthropic:13-1
    141. AI research evidence record openai:c1
    142. AI research evidence record anthropic:11-6
    143. AI research evidence record openai:c5
    144. AI research evidence record perplexity:14
    145. AI research evidence record google:1.2.3
    146. AI research evidence record kimi:financefundamentals-2026
    147. AI research evidence record perplexity:2
    148. AI research evidence record google:1.1.5

Verify this research

Check when the research was run, which platforms were included, and what supports the findings.

Study date
September 20, 2026
Platforms analyzed
7
Source records
47
Ranking mentions
5 of 7
Platform share
71%
Final consensus rank
#5

Behind the findings

Platforms in this study

  • ChatGPT
  • Claude
  • DeepSeek
  • Grok
  • Perplexity
  • Kimi
  • Gemini

Source records

24 independent · 22 company-owned · 1 unclear

Evidence support

31 direct · 15 partial

Keep in mind

Use the run research_date as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.

Technical verification details

Use this SHA-256 fingerprint to identify the source snapshot associated with this study.

fcb72c4a30e51b00a602c7ebfce12fd70c191ada51fc56cea2a335efc1fc813c