{"citations":{"source_mix":{"company_owned":33,"independent":22,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":46,"partial":9},"total_sources":55,"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 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","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a DUI","subject":"Protective Life","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Protective Life","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.2,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Protective Life","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-dui/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-dui/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-A1B408D3BEFD","title":"Protective Life 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 07:45:17.078052+00","research_date":"2026-09-22","source_snapshot_sha256":"c53e43414f95db4371eb3cc460cb4fcb2eb935e12bc5843c2a2be01b3b22b033","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a good, but not automatically best, fit for a consumer seeking Life Insurance After a DUI. Five of seven platforms named it during the ranking stage, with an average listed rank of 3.2 and a best rank of 3. The strongest reason to consider it is that Protective publicly acknowledges DUI/DWI, moving violations, license suspension, and alcohol or drug treatment history in its underwriting materials, and its Classic Choice Term product offers level premiums, 10- to 40-year terms, and conversion flexibility. The main limitation is that Protective publishes no DUI-specific…","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"}}