{"citations":{"source_mix":{"company_owned":13,"independent":25,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":14},"total_sources":41,"unique_domain_count":23},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"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":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Final Expense Insurance for Smokers","subject":"Mutual of Omaha","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Mutual of Omaha","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Mutual of Omaha","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/final-expense-insurance-for-smokers/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/final-expense-insurance-for-smokers/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-40FC0A0EB70B","title":"Mutual of Omaha 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.","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":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","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":"2026-09-23 06:31:46.289709+00","research_date":"2026-09-22","source_snapshot_sha256":"63ec55af2481bfb3b11d4ef72b3818319b32fae91af7022f34f0819b3ef8cc49","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a good fit for a senior cigarette smoker seeking roughly $15,000–$25,000 of permanent final expense coverage, provided the applicant can qualify for the Living Promise Level Benefit Plan. Six of the seven platforms named Mutual of Omaha during the ranking stage, and it finished with an average listed rank of 1.5 and a best rank of 1. The strongest reason to consider it is the combination of permanent whole-life coverage, simplified issue underwriting with no medical exam, and a published tobacco rate class that accommodates current smokers rather than excluding them. The…","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"}}