{"citations":{"source_mix":{"company_owned":15,"independent":20,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":13},"total_sources":35,"unique_domain_count":21},"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 Over 85","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"Final Expense Insurance for People Over 85","subject":"AARP (Underwritten by New York Life)","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"AARP (Underwritten by New York Life)","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"AARP (Underwritten by New York Life)","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/final-expense-insurance-for-people-over-85/aarp-underwritten-by-new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/final-expense-insurance-for-people-over-85/aarp-underwritten-by-new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-ADC6F8E8DEAA","title":"AARP (Underwritten by New York Life) for Final Expense Insurance for People Over 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 23:40:26.590168+00","research_date":"2026-09-21","source_snapshot_sha256":"e0392062822c87c7f979074707ef0634b1cc89abf4877f12cdb7fd926c13baf6","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":28,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"AARP (Underwritten by New York Life) is a weak fit for Final Expense Insurance for People Over 85. Two of the seven included platforms named the entity during the ranking stage, and six of the seven returned a usable fit assessment — five rated it \"weak\" and one rated it \"uncertain.\" The strongest reason to consider it is the guaranteed-acceptance structure: no medical exam, no health questions, permanent coverage, and level premiums for eligible applicants. The main limitation is decisive: the published maximum issue age is 85 in most states, with lower caps in several jurisdictions, so a…","target_buyer":"A consumer older than age 85 wants a relatively small permanent life insurance policy to help family members pay funeral and other final expenses.","topic":{"base_category":"Final Expense Insurance","category_criteria":["They understand that carrier availability and issue-age limits may be significantly restricted at this age and want legitimate options with clearly explained underwriting requirements","benefit limitations","and waiting periods."],"geography":"United States","slug":"best-final-expense-insurance-for-people-over-85","title":"Best Final Expense Insurance for People Over 85","use_case":"Final Expense Insurance for People Over 85"}}