{"citations":{"source_mix":{"company_owned":9,"independent":26,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":24,"partial":14},"total_sources":38,"unique_domain_count":24},"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","deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Final Expense Insurance for People Over 85","subject":"Transamerica","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Transamerica","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Transamerica","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/final-expense-insurance-for-people-over-85/transamerica.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/final-expense-insurance-for-people-over-85/transamerica","report_type":"fit_review","study_id":"LICI-STUDY-9D97ECF07A6C","title":"Transamerica 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.","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 23:39:20.532755+00","research_date":"2026-09-21","source_snapshot_sha256":"95473feeb567f771f1612698b3971a5288a2d7becb2000e56bc216b2cf234afd","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":28,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Transamerica is a weak fit for a buyer already older than 85. Three of seven platforms named Transamerica during ranking discovery, and six returned a usable fit assessment, but the strongest documented reason to consider it — small whole-life coverage with simplified underwriting and level premiums — applies only up to a maximum issue age of 85. No reviewed public source verifies new-issue eligibility above 85. The main limitation is that Transamerica's own portfolio documents cap Immediate Solution and 10-Pay Solution at age 85 and Easy Solution at age 80, so a buyer over 85 should not…","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"}}