{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants seeking permanent whole life coverage after being declined for a level-benefit option (openai)"},{"fit":"best_suited","scenario":"Consumers who prefer fixed premiums and do not want a medical exam (openai)"},{"fit":"best_suited","scenario":"Applicants who can tolerate reduced non-accidental benefits during the early policy years (openai)"},{"fit":"best_suited","scenario":"Seniors aged 40–89 with manageable health conditions such as COPD, diabetes, or heart conditions who do not qualify for level-benefit plans (anthropic)"},{"fit":"not_best_suited","scenario":"Consumers needing the full death benefit immediately for natural-cause death (openai)"},{"fit":"not_best_suited","scenario":"Applicants seeking transparent online pricing before speaking with an agent (openai)"},{"fit":"not_best_suited","scenario":"Consumers in states or age bands where the graded product is unavailable (openai)"},{"fit":"not_best_suited","scenario":"Buyers seeking true guaranteed-issue coverage with acceptance regardless of health severity (anthropic)"}],"citations":{"source_mix":{"company_owned":9,"independent":30,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":8},"total_sources":42,"unique_domain_count":26},"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","perplexity"],"predicate":"final_consensus_rank","qualifier":"Graded-Benefit Final Expense Insurance","subject":"Aetna","unit":"rank","value":6},{"claim_id":"claim-003","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-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Aetna","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Aetna","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Aetna","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Aetna","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/graded-benefit-final-expense-insurance/aetna.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/graded-benefit-final-expense-insurance/aetna","report_type":"fit_review","study_id":"LICI-STUDY-28C9210C8F32","title":"Aetna for Graded-Benefit Final Expense Insurance: 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 05:37:24.139591+00","research_date":"2026-09-22","source_snapshot_sha256":"5a2b6d1ed81456d0ddc462f61e0c061df3f6efb3d3cdecde948a397a068faa28","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Aetna is a mixed fit for Graded-Benefit Final Expense Insurance. Three of seven platforms named Aetna during the ranking stage, with an average listed rank of 3.0 and a best rank of 1. The strongest reason to consider Aetna is that multiple platforms describe a graded tier paying a partial face amount — 40% in year one and 75% in year two — rather than only returning premiums, plus permanent whole life coverage with fixed premiums after the graded period. The main limitation is verification: Aetna's own site does not clearly document a current consumer-facing graded-benefit final expense…","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"}}