{"citations":{"source_mix":{"company_owned":97,"independent":177,"unclear":31},"sources_referenced_by_questions":0,"support_mix":{"direct":193,"partial":67},"total_sources":305,"unique_domain_count":116},"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 Graded-Benefit Final Expense Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"Mutual of Omaha","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"Transamerica","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Transamerica","unit":"platforms","value":6},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"Gerber Life Guaranteed Life Insurance","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Gerber Life Guaranteed Life Insurance","unit":"platforms","value":5},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","google","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"Foresters Financial","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","google","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Foresters Financial","unit":"platforms","value":4},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-22","platform_support":["google","grok","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"American Amicable","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-22","platform_support":["google","grok","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"American Amicable","unit":"platforms","value":4},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"Aetna","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Aetna","unit":"platforms","value":3},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"Royal Neighbors of America","unit":"rank","value":8},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Royal Neighbors of America","unit":"platforms","value":3},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"Aflac","unit":"rank","value":9},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Aflac","unit":"platforms","value":2},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"AIG","unit":"rank","value":10},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"AIG","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.4285714285714286,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Mutual of Omaha","platform_mentions":7,"platform_share":1},{"average_rank":4,"best_rank":2,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Transamerica","platform_mentions":6,"platform_share":0.8571428571428571},{"average_rank":4.8,"best_rank":2,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Gerber Life Guaranteed Life Insurance","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":3.75,"best_rank":2,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"Foresters Financial","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":4.25,"best_rank":3,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"American Amicable","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":3,"best_rank":1,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Aetna","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":6.333333333333333,"best_rank":4,"entity_id":"entity-007","entity_type":"company","final_rank":8,"name":"Royal Neighbors of America","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":5,"best_rank":4,"entity_id":"entity-008","entity_type":"company","final_rank":9,"name":"Aflac","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":6.5,"best_rank":5,"entity_id":"entity-009","entity_type":"company","final_rank":10,"name":"AIG","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/graded-benefit-final-expense-insurance.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/graded-benefit-final-expense-insurance","report_type":"best_of_index","study_id":"LICI-STUDY-6705E594366D","title":"Best Final Expense Insurance for Graded-Benefit Final Expense Insurance: 7-Platform AI Consensus Index"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 05:43:03.750101+00","research_date":"2026-09-22","source_snapshot_sha256":"cfdbf0858508d764b83733f11bebda0d233f2d6fd80a46b5d348fa75dd163f8a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is the consensus leader for graded-benefit final expense insurance in this 2026 study, named by all seven platforms and ranked first by five of them. Its Living Promise Graded Benefit Plan is the most consistently described option: a two-year graded period paying premiums plus 10% for natural-cause death, full accidental coverage from day one, and permanent whole life coverage afterward. Transamerica is the strongest alternative for buyers who want a higher graded face amount (up to $25,000) and a digital application, while Gerber Life Guaranteed life insurance is the…","target_buyer":"A consumer has health conditions that may prevent them from qualifying for level-benefit final expense insurance but may still qualify for a graded-benefit policy.","topic":{"base_category":"Final Expense Insurance","category_criteria":["They want a reputable carrier with reasonable underwriting","clearly explained early-year benefit limitations","predictable premiums","and permanent coverage once the graded period has passed."],"geography":"United States","slug":"best-graded-benefit-final-expense-insurance","title":"Best Graded-Benefit Final Expense Insurance","use_case":"Graded-Benefit Final Expense Insurance"}}