{"citations":{"source_mix":{"company_owned":15,"independent":35,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":44,"partial":8},"total_sources":53,"unique_domain_count":35},"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","deepseek","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a DUI","subject":"Mutual of Omaha","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","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":"Mutual of Omaha","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mutual of Omaha","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.8333333333333335,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Mutual of Omaha","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/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-dui/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-C18F142E18C3","title":"Mutual of Omaha 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.","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 07:37:48.833724+00","research_date":"2026-09-22","source_snapshot_sha256":"a00ef9502575a196da5bd88c34bb768a73ed32cafac3f616d77e013811aaf2e6","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a mixed fit for Life Insurance After a DUI. Six of the seven platforms in this study named it during the ranking stage, and it placed as high as first. Its strongest advantage is a three-path underwriting structure: fully underwritten term, simplified-issue term and whole life, and guaranteed-issue whole life for eligible applicants aged 45–85. The main limitation is transparency. Mutual of Omaha does not publish a DUI-specific underwriting table, and platforms disagreed on whether the DUI lookback is two years or five. Buyers should treat Mutual of Omaha as a credible…","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"}}