{"citations":{"source_mix":{"company_owned":12,"independent":14,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":18,"partial":9},"total_sources":27,"unique_domain_count":13},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-21","predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Final Expense Insurance for People Ages 80 to 85","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Final Expense Insurance for People Ages 80 to 85","subject":"Aflac","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Aflac","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.333333333333333,"best_rank":7,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Aflac","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/final-expense-insurance-for-people-ages-80-to-85/aflac.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/final-expense-insurance-for-people-ages-80-to-85/aflac","report_type":"fit_review","study_id":"LICI-STUDY-ED2D0A82306C","title":"Aflac for Final Expense Insurance for People Ages 80 to 85: 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":"2026-09-21 23:38:02.3262+00","research_date":"2026-09-21","source_snapshot_sha256":"96ebd3a58e97ab6b37a0c702c5c9f79a646a7b14601f4b109d80ead6b331afa7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Aflac is a weak fit for most buyers in this use case. Three of seven platforms named Aflac during ranking discovery, and six of seven returned a usable fit assessment. The strongest reason to consider Aflac is that its Level Plan, where available, offers immediate full benefits, simplified issue underwriting, and fixed premiums for life — but only at issue age 80 or younger. The main limitation is that Aflac's published issue-age table stops at 80, leaving ages 81–85 unverified, and one consumer source claims Aflac exited the individual final expense market in 2024. Buyers should verify…","target_buyer":"A nonsmoking consumer between ages 80 and 85 wants approximately $15,000 to $20,000 of permanent final expense life insurance.","topic":{"base_category":"Final Expense Insurance","category_criteria":["They want a reputable carrier that accepts applicants in this age range","reasonable underwriting requirements","predictable premiums","and clear information about whether benefits are immediate or subject to a waiting period."],"geography":"United States","slug":"best-final-expense-insurance-for-people-ages-80-to-85","title":"Best Final Expense Insurance for People Ages 80 to 85","use_case":"Final Expense Insurance for People Ages 80 to 85"}}