{"citations":{"source_mix":{"company_owned":14,"independent":23,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":14},"total_sources":41,"unique_domain_count":22},"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","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"$20,000 Final Expense Insurance","subject":"Mutual of Omaha","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":7}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.1428571428571428,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Mutual of Omaha","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/2-dollar-0-000-final-expense-insurance/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/2-dollar-0-000-final-expense-insurance/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-B245B6A89E27","title":"Mutual of Omaha 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.","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 00:07:07.417275+00","research_date":"2026-09-21","source_snapshot_sha256":"ffbdac4a4db29efe19e8f3af8a5ab39747fc6a1599e52641533989b0b7dd6386","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":27,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a strong fit for a nonsmoking 65-year-old in average-to-good health seeking about $20,000 of permanent final expense coverage, provided the applicant qualifies for the Living Promise Whole Life Level Benefit Plan. All 7 platforms named Mutual of Omaha during the ranking stage, and it finished first overall with an average listed rank of 1.14. The strongest reason to consider it is the combination of simplified no-exam underwriting, level premiums, a full death benefit from day one, and an A+ (Superior) AM Best rating. The main limitation is that pricing is not…","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"}}