{"citations":{"source_mix":{"company_owned":11,"independent":12,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":15,"partial":11},"total_sources":26,"unique_domain_count":15},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-21","predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best $20,000 Final Expense Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","google","kimi"],"predicate":"final_consensus_rank","qualifier":"$20,000 Final Expense Insurance","subject":"Aetna","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Aetna","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Aetna","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/2-dollar-0-000-final-expense-insurance/aetna.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/2-dollar-0-000-final-expense-insurance/aetna","report_type":"fit_review","study_id":"LICI-STUDY-15CF199C62CC","title":"Aetna for $20,000 Final Expense 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.","6 of 7 included platforms returned a usable fit assessment; disclose this as a methodology limitation and do not describe the fit findings as unanimous, 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_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-22 00:09:53.937468+00","research_date":"2026-09-21","source_snapshot_sha256":"5cb503a8962223dffaa6451e96c8279809ff7abf68afb1921adf09ccbb6589a5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":27,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Aetna is a good, but not clearly best, fit for a nonsmoking 65-year-old in average-to-good health seeking approximately $20,000 of permanent final expense coverage. Three of seven platforms named Aetna during the ranking stage (anthropic, google, kimi), and six of seven returned a usable fit assessment. The strongest reason to consider it is the Accendo Final Expense individual whole life structure: a $20,000 face amount sits inside the documented $2,000–$50,000 range, with simplified underwriting, level premiums, and a level death benefit if the buyer is approved for that plan. The main…","target_buyer":"A nonsmoking 65-year-old with average-to-good health wants approximately $20,000 of permanent final expense life insurance to help beneficiaries cover funeral costs and other end-of-life expenses.","topic":{"base_category":"Final Expense Insurance","category_criteria":["They want reasonable premiums","straightforward underwriting","a reputable carrier","and clear policy guarantees."],"geography":"United States","slug":"best-20-000-final-expense-insurance","title":"Best $20,000 Final Expense Insurance","use_case":"$20,000 Final Expense Insurance"}}