{"citations":{"source_mix":{"company_owned":17,"independent":20,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":6},"total_sources":37,"unique_domain_count":19},"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","kimi"],"predicate":"final_consensus_rank","qualifier":"Final Expense Insurance for Smokers","subject":"USAA","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"USAA","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"good","subject":"USAA","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"USAA","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"USAA","unit":"platforms","value":2}],"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":8,"name":"USAA","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/final-expense-insurance-for-smokers/usaa.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/final-expense-insurance-for-smokers/usaa","report_type":"fit_review","study_id":"LICI-STUDY-0EEF71535518","title":"USAA 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.","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 06:44:26.682062+00","research_date":"2026-09-22","source_snapshot_sha256":"41922c088c4a9da914b08769408e021c251d1f6ae1ab39a09c3fa9212031e906","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"USAA is a mixed fit for a senior smoker seeking $15,000–$25,000 of permanent final expense coverage. Two of seven platforms named USAA during the ranking stage, and its USAA Secure Final Expense Whole life insurance product matches the requested coverage type and amount. The strongest reason to consider it is permanent whole-life coverage with simplified underwriting and no medical exam, plus a competitive reported rate for female smokers. The main limitation is that no public smoker-specific premium table exists, the product is unavailable in New York and Florida, and applicants may receive…","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"}}