{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants with a recent or serious cardiac history who cannot qualify for traditional underwriting and need guaranteed acceptance (openai, anthropic, deepseek, perplexity, kimi)."},{"fit":"best_suited","scenario":"Buyers seeking $2,000–$25,000 of permanent coverage for final expenses, small debts, or supplemental protection rather than income replacement (openai, anthropic, perplexity)."},{"fit":"best_suited","scenario":"Applicants declined by standard carriers due to a recent cardiac event (anthropic)."},{"fit":"best_suited","scenario":"Applicants roughly two or more years post-event who can answer health questions and may qualify for Living Promise Level benefit with immediate coverage and no waiting period (anthropic, google, grok)."},{"fit":"not_best_suited","scenario":"Applicants needing large death benefits. Guaranteed whole life is capped at $25,000, which is insufficient for mortgage, income replacement, business, or estate needs (openai, anthropic, deepseek, perplexity, kimi,…"},{"fit":"not_best_suited","scenario":"Buyers who need immediate full-benefit protection. Natural-cause death in the first two years pays only premiums plus 10% (openai, anthropic, deepseek, google)."},{"fit":"not_best_suited","scenario":"Applicants under 45 or over 85, and New York applicants outside the stated 50–75 issue-age range (openai, anthropic, deepseek, kimi, perplexity)."},{"fit":"not_best_suited","scenario":"Price-sensitive buyers who could qualify for medically underwritten coverage. MoneyGeek states that under $250,000 coverage, Mutual of Omaha rarely makes sense on cost alone (-3)."}],"citations":{"source_mix":{"company_owned":23,"independent":30,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":46,"partial":8},"total_sources":54,"unique_domain_count":22},"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","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a Heart Attack","subject":"Mutual of Omaha","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","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":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Mutual of Omaha","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.8333333333333335,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"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-heart-attack/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-heart-attack/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-969CFEC312F4","title":"Mutual of Omaha 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.","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 05:24:14.061992+00","research_date":"2026-09-22","source_snapshot_sha256":"2450053fa488d6a5d5454a6cad7c82d162acbf77a48491e16a93cddfceb85431","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 good, targeted fit for Life Insurance After a Heart Attack — strongest when the buyer needs guaranteed-acceptance final-expense coverage and cannot qualify for traditional underwriting. Six of seven platforms named Mutual of Omaha during the ranking stage (86% of included platform responses), with an average listed rank of 2.83 and a best rank of 1. The strongest reason to consider it is its Guaranteed Whole Life product, which accepts applicants ages 45–85 with no medical exam and no health questions. The main limitation is that coverage is capped at $25,000 and…","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"}}