{"buyer_scenarios":[{"fit":"best_suited","scenario":"Buyers who want level term coverage with a fixed premium period and conversion privileges rather than simplified-issue or guaranteed-issue coverage (deepseek, )."},{"fit":"best_suited","scenario":"Buyers willing to complete full medical underwriting, including exam, blood work, and likely an Attending Physician Statement (anthropic, )."},{"fit":"best_suited","scenario":"Buyers who will shop multiple medically underwritten carriers and treat Banner as one quote among several (deepseek, )."},{"fit":"best_suited","scenario":"Buyers seeking longer term lengths, up to 35 or 40 years (google, grok)."},{"fit":"not_best_suited","scenario":"Applicants within six months of the event. Banner's field guide states applicants with stroke may not be offered coverage if the event occurred within six months, depending on type . One platform reports Banner and…"},{"fit":"not_best_suited","scenario":"Applicants with severe residual deficits, including impaired cognition, wheelchair use, or need for assistance with activities of daily living ."},{"fit":"not_best_suited","scenario":"Applicants who had a stroke under age 50 or who have had multiple strokes, reported as generally declined or requiring direct underwriting consultation ."},{"fit":"not_best_suited","scenario":"Applicants seeking guaranteed acceptance or simplified-issue coverage without detailed medical underwriting (openai, anthropic, deepseek)."}],"citations":{"source_mix":{"company_owned":17,"independent":28,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":37,"partial":7},"total_sources":45,"unique_domain_count":21},"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 Stroke","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a Stroke","subject":"Banner Life","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","perplexity"],"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":2.3333333333333335,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Banner Life","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-stroke/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-stroke/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-F1B8B46373C9","title":"Banner Life for Life Insurance After a Stroke: 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 07:17:34.826734+00","research_date":"2026-09-22","source_snapshot_sha256":"538e38c12174f587a71fd948eed57c1c9239fd92b0d879503632714b601cd031","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a mixed fit for Life Insurance After a Stroke. Three of seven platforms named Banner Life during the ranking stage, and all seven evaluated it for this use case. The strongest reason to consider it is OPTerm's 10- to 40-year level term structure with conversion privileges and, per one platform, substandard table ratings calculated from Banner's Standard Plus base rate rather than Standard . The main limitation is that Banner publishes no stroke-specific acceptance criteria, and its own materials flag cerebrovascular disease as a barrier to accelerated underwriting . Approval,…","target_buyer":"A consumer previously experienced a stroke and wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may consider the type and severity of the stroke","time since the event","residual symptoms","cause","treatment","recurrence risk","cardiovascular health","and other medical factors."],"geography":"United States","slug":"best-life-insurance-after-a-stroke","title":"Best Life Insurance After a Stroke","use_case":"Life Insurance After a Stroke"}}