{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants who may not qualify for competitively priced fully underwritten term or permanent insurance (openai)."},{"fit":"best_suited","scenario":"Applicants seeking modest final-expense coverage rather than large family-income or mortgage-replacement coverage (openai, anthropic, google)."},{"fit":"best_suited","scenario":"Applicants who want a no-medical-exam option and can accept possible health-question, waiting-period, benefit-limit, or cost tradeoffs (openai, anthropic)."},{"fit":"best_suited","scenario":"Applicants who need rapid underwriting and accept smaller death benefits (anthropic, google)."},{"fit":"not_best_suited","scenario":"Applicants seeking large death benefits at the lowest possible premium (openai, anthropic, grok, google)."},{"fit":"not_best_suited","scenario":"Applicants whose heart attack was remote, recovery has been favorable, and current health may support shopping fully underwritten policies (openai, anthropic, grok)."},{"fit":"not_best_suited","scenario":"Applicants who cannot or will not answer health questions, if the specific product requires them (anthropic)."},{"fit":"not_best_suited","scenario":"Buyers who want a clearly documented, fully transparent nationwide guaranteed-issue life option from the carrier itself (perplexity)."}],"citations":{"source_mix":{"company_owned":21,"independent":11,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":1},"total_sources":32,"unique_domain_count":12},"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 Heart Attack","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a Heart Attack","subject":"Aflac","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Aflac","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Aflac","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Aflac","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Aflac","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-heart-attack/aflac.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-heart-attack/aflac","report_type":"fit_review","study_id":"LICI-STUDY-228E7627E97E","title":"Aflac for Life Insurance After a Heart Attack: 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.","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":"2026-09-22 05:36:22.233408+00","research_date":"2026-09-22","source_snapshot_sha256":"df6c7cc0b5aebf99d887a2a08ec2f771680eea8513e4d90b4b8537b87498d8a5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Aflac is a mixed fit for Life Insurance After a Heart Attack. It is worth considering mainly as a fallback for modest final-expense or guaranteed-issue whole life coverage when conventional underwriting is difficult, not as a primary source of large income-replacement coverage. Two of the seven included platforms named Aflac during the ranking stage — roughly 29% of included platform responses — at an average listed rank of 3.5 and a best listed rank of 3. The strongest reason to consider it is a no-medical-exam pathway with guaranteed-issue availability on select products. The main…","target_buyer":"A consumer previously experienced a heart attack and now wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may depend heavily on how long ago the heart attack occurred","age at the event","subsequent cardiac testing","treatment","current heart function","medications","lifestyle changes","and other health factors."],"geography":"United States","slug":"best-life-insurance-after-a-heart-attack","title":"Best Life Insurance After a Heart Attack","use_case":"Life Insurance After a Heart Attack"}}