{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants with one older DUI, otherwise favorable health and driving history, who need conventional term coverage ."},{"fit":"best_suited","scenario":"Applicants who want guaranteed initial level premiums for 10, 15, 20, 25, or 30 years ."},{"fit":"best_suited","scenario":"Applicants who may value conversion from term to permanent insurance without new underwriting, where the applicable policy and jurisdiction allow it ."},{"fit":"best_suited","scenario":"Applicants with a single DUI that occurred 5 or more years ago with no subsequent violations and a clean current driving record ."},{"fit":"not_best_suited","scenario":"Applicants seeking a guaranteed acceptance or explicitly DUI-specialized product ."},{"fit":"not_best_suited","scenario":"Applicants with a recent DUI, multiple DUIs, a suspended license, or documented alcohol or substance-use concerns until a broker confirms likely eligibility ."},{"fit":"not_best_suited","scenario":"Applicants with a DUI within the past 12 months, where postponement or denial risk is high ."},{"fit":"not_best_suited","scenario":"Applicants with multiple DUI convictions or repeat offenses, which are industry-standard grounds for decline ."}],"citations":{"source_mix":{"company_owned":11,"independent":27,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":10},"total_sources":39,"unique_domain_count":23},"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","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a DUI","subject":"Transamerica","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Transamerica","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Transamerica","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Transamerica","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Transamerica","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Transamerica","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/transamerica.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-dui/transamerica","report_type":"fit_review","study_id":"LICI-STUDY-65E0B10CD7A1","title":"Transamerica 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":"50f053ca1f43f7b643de74367e85f4303c8778a48a119731e07e408291a8ec77","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Transamerica is a mixed fit for Life Insurance After a DUI. Five of seven platforms named it during the ranking stage, with an average listed rank of 4.4 and a best rank of 2. The strongest reason to consider it is that its individually underwritten Trendsetter term portfolio accepts standard and substandard (Table A–D) risk classes, so a single older DUI may produce a rated offer rather than an automatic decline . The main limitation is transparency: Transamerica publishes no DUI-specific lookback period, surcharge schedule, or acceptance rule, and independent brokers do not name it as a…","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"}}