{"citations":{"source_mix":{"company_owned":10,"independent":24,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":4},"total_sources":37,"unique_domain_count":24},"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":["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-003","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-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Royal Neighbors of America","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Royal Neighbors of America","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.333333333333333,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Royal Neighbors of America","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/graded-benefit-final-expense-insurance/royal-neighbors-of-america.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/graded-benefit-final-expense-insurance/royal-neighbors-of-america","report_type":"fit_review","study_id":"LICI-STUDY-C6D4D3CB976A","title":"Royal Neighbors of America 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 05:37:47.443818+00","research_date":"2026-09-22","source_snapshot_sha256":"059863cf0eede39478934f686d49bc9383f950d1fd1a40e3b96c1867e55a66ec","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Royal Neighbors of America is a good fit to consider for Graded-Benefit Final Expense Insurance, with a documentation caveat. Three of seven platforms named it during the ranking stage (deepseek, kimi, perplexity), and all seven platforms that evaluated fit rated it \"good\" except kimi, which rated it \"uncertain.\" The strongest reason to consider it is a specifically identified graded-death-benefit whole-life form (Ensured Legacy, Form Series 211312) from a carrier reporting an A (Excellent) AM Best rating. The main limitation is that Royal Neighbors does not publicly disclose the graded…","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"}}