{"citations":{"source_mix":{"company_owned":14,"independent":23,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":24,"partial":16},"total_sources":40,"unique_domain_count":22},"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":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Mutual of Omaha","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":6}],"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}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/graded-benefit-final-expense-insurance/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/graded-benefit-final-expense-insurance/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-7AD92D304399","title":"Mutual of Omaha 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 05:26:44.727646+00","research_date":"2026-09-22","source_snapshot_sha256":"acd6724ae50a84fa4459678cf2b2dbf5047abfb4de02988b94688771f3aa4c24","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a good fit for Graded-Benefit Final Expense Insurance, according to all seven AI platforms that named it during the ranking stage. Its Living Promise Graded Benefit Plan is a permanent whole life policy with a clearly stated two-year graded period: natural-cause death in the first two years pays premiums plus 10%, while accidental death pays the full face amount from day one (, anthropic:cite03gradedwaitingperiod, ). The strongest reason to consider it is the combination of simplified underwriting, locked-in premiums, and permanent coverage after the graded period. 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"}}