{"citations":{"source_mix":{"company_owned":18,"independent":29,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":40,"partial":7},"total_sources":49,"unique_domain_count":27},"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 Life Insurance After a DUI","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a DUI","subject":"Lincoln Financial","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln Financial","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lincoln Financial","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Lincoln Financial","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Lincoln Financial","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Lincoln Financial","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-dui/lincoln-financial.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-dui/lincoln-financial","report_type":"fit_review","study_id":"LICI-STUDY-D29D4AFFCEC4","title":"Lincoln Financial for Life Insurance After a DUI: 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.","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 07:41:10.752499+00","research_date":"2026-09-22","source_snapshot_sha256":"df38d2aa648fb73b8a35b8006240e7ec30e9b316fdcb45df538158fa489e06d1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Lincoln Financial is a mixed fit for Life Insurance After a DUI. Six of the seven platforms named it during the ranking stage, and it finished fourth overall with an average listed rank of 6.0. Its strongest case is an older, isolated DUI: Lincoln's published guidelines require no DUI or license suspension in the past five years for preferred-plus classification, and TermAccel and LifeElements Level Term offer convertible term coverage with possible lab-free processing for qualifying applicants (-1, -13, -4). The main limitation is that a DUI inside five years can trigger labs and vitals,…","target_buyer":"A consumer has a DUI or DWI in their driving history and wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may consider how long ago the incident occurred","whether there were multiple offenses","current driving record","alcohol or substance-use history","treatment where applicable","and other risk factors."],"geography":"United States","slug":"best-life-insurance-after-a-dui","title":"Best Life Insurance After a DUI","use_case":"Life Insurance After a DUI"}}