{"citations":{"source_mix":{"company_owned":17,"independent":22,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":6},"total_sources":40,"unique_domain_count":20},"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":["anthropic","deepseek","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a Heart Attack","subject":"Banner Life","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Banner Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","grok","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Banner Life","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Banner 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-heart-attack/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-heart-attack/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-CB97803D4852","title":"Banner Life 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.","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 05:26:03.172161+00","research_date":"2026-09-22","source_snapshot_sha256":"514c456cc5729adb91b36baeab0a63c4bf570836bdce12191659b9e31aa32d9b","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a conditional fit for Life Insurance After a Heart Attack. Five of the seven platforms in this study named Banner Life during the ranking stage, and all seven evaluated it for this use case. The strongest reason to consider it is Banner's fully underwritten OPTerm term product, which permits substandard table ratings and, according to independent broker sources, calculates rated premiums from a Standard Plus baseline that can reduce the cost of a cardiac rating. The main limitation is that Banner's public materials confirm a six-month decline or postponement point for a heart…","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"}}