{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants who prefer permanent whole-life coverage with fixed premiums (openai:accendobrochure, )."},{"fit":"best_suited","scenario":"Applicants willing to provide health information for possible Level benefits rather than guaranteed-issue coverage (openai:accendobrochure, kimi:asurgo-gi-vs-si-2026)."},{"fit":"best_suited","scenario":"Applicants seeking roughly $2,000 to $50,000 of final-expense coverage, subject to age and underwriting limits (openai:accendobrochure, )."},{"fit":"best_suited","scenario":"Seniors aged 81–89 who exceed other carriers' age limits — Kimi notes Aetna/Accendo accepts applicants to 89, exceeding Aflac's 80-year maximum (kimi:asurgo-aflac-2026)."},{"fit":"not_best_suited","scenario":"Applicants who require guaranteed acceptance regardless of health. Aetna does not offer a guaranteed-issue plan (, openai:accendobrochure)."},{"fit":"not_best_suited","scenario":"New York residents, if the product is unavailable there as one review indicates ."},{"fit":"not_best_suited","scenario":"Applicants needing coverage materially above the product's published age-based maximums (openai:accendobrochure)."},{"fit":"not_best_suited","scenario":"Applicants seeking the lowest possible premium who could qualify for fully underwritten traditional life insurance (openai:accendobrochure, kimi:asurgo-aflac-2026)."}],"citations":{"source_mix":{"company_owned":9,"independent":22,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":12},"total_sources":33,"unique_domain_count":24},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-21","predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Simplified-Issue Final Expense Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Simplified-Issue Final Expense Insurance","subject":"Aetna","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Aetna","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.25,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Aetna","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/final-expense-insurance/simplified-issue-final-expense-insurance/aetna.json","page_url":"https://lifeinsuranceconsensusindex.com/final-expense-insurance/simplified-issue-final-expense-insurance/aetna","report_type":"fit_review","study_id":"LICI-STUDY-D72608AC4526","title":"Aetna for Simplified-Issue 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.","6 of 7 included platforms returned a usable fit assessment; disclose this as a methodology limitation and do not describe the fit findings as unanimous, 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_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-22 01:10:46.557168+00","research_date":"2026-09-21","source_snapshot_sha256":"43aa1d61c7c10b511f7a470ef5bc48c0fc1c9e98719015548de39d775b0a1284","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Aetna is a good fit for most buyers seeking Simplified-Issue Final Expense Insurance, with material verification requirements. Four of the seven platforms in this study named Aetna during the ranking stage, and six of seven returned a usable fit assessment. The strongest reason to consider it: Aetna's Final Expense Whole Life product, issued by Accendo Insurance Company, uses health-question underwriting with no traditional medical exam and offers a Level plan that can pay full benefits from day one (openai:accendobrochure, ). The main limitation: exact 2026 premiums, health questions, and…","target_buyer":"A consumer wants permanent final expense insurance through simplified underwriting with health questions but no traditional medical examination.","topic":{"base_category":"Final Expense Insurance","category_criteria":["They are willing to provide health information in exchange for the possibility of lower premiums or stronger benefits than guaranteed-issue coverage."],"geography":"United States","slug":"best-simplified-issue-final-expense-insurance","title":"Best Simplified-Issue Final Expense Insurance","use_case":"Simplified-Issue Final Expense Insurance"}}