{"citations":{"source_mix":{"company_owned":13,"independent":16,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":7},"total_sources":29,"unique_domain_count":18},"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":["google","openai"],"predicate":"final_consensus_rank","qualifier":"Final Expense Insurance for People Ages 80 to 85","subject":"Americo","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["google","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Americo","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Americo","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/final-expense-insurance-for-people-ages-80-to-85/americo.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/final-expense-insurance-for-people-ages-80-to-85/americo","report_type":"fit_review","study_id":"LICI-STUDY-484A435CB914","title":"Americo 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 23:39:25.691045+00","research_date":"2026-09-21","source_snapshot_sha256":"e0002729588c43d819e393027be2f51a3f518804f4f425a87777858de443e6a1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Americo is a good but conditional fit for a nonsmoking buyer ages 80 to 85 seeking $15,000 to $20,000 of permanent final expense coverage. Two of the seven platforms in this study named Americo during the ranking stage, and six of seven returned a usable fit assessment. The strongest reason to consider it is the Eagle Premier Series: published nonsmoker issue ages run to 85, face amounts run from $5,000 to $40,000, and the level-benefit tier is described as paying full benefits from day one. The main limitation is that no platform verified a public premium for this age band, and the…","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"}}