{"citations":{"source_mix":{"company_owned":6,"independent":3,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":6,"partial":5},"total_sources":11,"unique_domain_count":6},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","grok","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Final Expense Insurance for People Ages 80 to 85","unit":"platforms","value":4},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","grok"],"predicate":"final_consensus_rank","qualifier":"Final Expense Insurance for People Ages 80 to 85","subject":"GTL (Guarantee Trust Life)","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","grok"],"predicate":"platform_mentions","qualifier":"out of 4","subject":"GTL (Guarantee Trust Life)","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-21","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"GTL (Guarantee Trust Life)","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"GTL (Guarantee Trust Life)","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"GTL (Guarantee Trust Life)","platform_mentions":2,"platform_share":0.5}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/final-expense-insurance-for-people-ages-80-to-85/gtl-guarantee-trust-life.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/final-expense-insurance-for-people-ages-80-to-85/gtl-guarantee-trust-life","report_type":"fit_review","study_id":"LICI-STUDY-642F84D50EE9","title":"GTL (Guarantee Trust Life) 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.","All included platforms evaluated fit, 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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":4,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["deepseek","grok","openai","perplexity"],"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 02:47:42.507864+00","research_date":"2026-09-21","source_snapshot_sha256":"00646594e273ca34be97a5ae300970d67dd8d638114a929595c306aa5f1262a3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":6,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"GTL (Guarantee Trust Life) is a mixed fit for a nonsmoker aged 80 to 85 seeking $15,000 to $20,000 of permanent final expense coverage. Two of the four platforms that evaluated fit named GTL during the ranking stage, giving it a 50% share of included platform responses, an average listed rank of 7.0, and a best listed rank of 5. The strongest reason to consider GTL is its Heritage Life product, which is publicly documented at issue ages 40 to 85 with $2,500 to $20,000 of coverage, fixed premiums, and no medical exam . The main limitation is that the publicly documented product is…","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"}}