{"citations":{"source_mix":{"company_owned":13,"independent":18,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":15},"total_sources":31,"unique_domain_count":15},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Final Expense Insurance for People Over 85","unit":"platforms","value":5},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Final Expense Insurance for People Over 85","subject":"Mutual of Omaha Final Expense Insurance","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 5","subject":"Mutual of Omaha Final Expense Insurance","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-21","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mutual of Omaha Final Expense Insurance","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-21","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Mutual of Omaha Final Expense Insurance","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Mutual of Omaha Final Expense Insurance","platform_mentions":4,"platform_share":0.8}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/final-expense-insurance-for-people-over-85/mutual-of-omaha-final-expense-insurance.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/final-expense-insurance-for-people-over-85/mutual-of-omaha-final-expense-insurance","report_type":"fit_review","study_id":"LICI-STUDY-E9F3272219D2","title":"Mutual of Omaha Final Expense Insurance 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.","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.","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":5,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["deepseek","grok","kimi","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 02:56:29.489185+00","research_date":"2026-09-21","source_snapshot_sha256":"9ed56662d932c97ca34760ccc0ba8a4ceeebf5c97474fbbea48cba1727c94ef0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":5,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha Final Expense Insurance is a weak fit for a buyer already older than 85. Four of the five platforms that evaluated fit named Mutual of Omaha during ranking discovery, and all four ranked it in their recommendation sets, but every platform that scored fit rated it weak or mixed because the relevant product, Living Promise Whole Life, publishes a maximum issue age of 85 . The strongest reason to consider it is that Living Promise is a legitimate small-face whole life final-expense product with simplified underwriting and a level-benefit option that pays full benefits…","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"}}