{"citations":{"source_mix":{"company_owned":7,"independent":38,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":38,"partial":6},"total_sources":45,"unique_domain_count":31},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-22","predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Final Expense Insurance for Smokers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Final Expense Insurance for Smokers","subject":"American Amicable","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"American Amicable","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.666666666666667,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"American Amicable","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/final-expense-insurance-for-smokers/american-amicable.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/final-expense-insurance-for-smokers/american-amicable","report_type":"fit_review","study_id":"LICI-STUDY-60460185D7DF","title":"American Amicable for Final Expense Insurance for Smokers: 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":"2026-09-23 06:47:50.632077+00","research_date":"2026-09-22","source_snapshot_sha256":"50834636457dea5fb1220cab47612eb94bea6ad021c3c168376f5ebe3c6700ed","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"American Amicable is a good, but not clearly best, fit for a senior cigarette smoker seeking roughly $15,000–$25,000 of permanent final expense coverage. Three of the seven platforms in this study named American Amicable during the ranking stage, and six of the seven returned a usable fit assessment. The strongest reason to consider it is the Senior Choice whole-life structure: simplified issue with no medical exam, an Immediate plan that pays 100% from day one, and a Graded plan that accepts applicants who might otherwise be declined. The main limitation is that no current smoker rate table…","target_buyer":"A senior who currently uses cigarettes wants approximately $15,000 to $25,000 of permanent final expense life insurance.","topic":{"base_category":"Final Expense Insurance","category_criteria":["They want a reputable carrier with reasonable tobacco-user pricing","straightforward underwriting","permanent coverage","and clear policy guarantees while understanding that tobacco use can materially affect premiums and eligibility."],"geography":"United States","slug":"best-final-expense-insurance-for-smokers","title":"Best Final Expense Insurance for Smokers","use_case":"Final Expense Insurance for Smokers"}}