{"buyer_scenarios":[{"fit":"best_suited","scenario":"TIA (mini-stroke) two or more years out, fully resolved, with clean follow-up"},{"fit":"best_suited","scenario":"Ischemic stroke two to four or more years out with full recovery and controlled risk factors"},{"fit":"best_suited","scenario":"Applicants ages 20–60 with well-controlled blood pressure and cholesterol and no other cardiac conditions"},{"fit":"best_suited","scenario":"Buyers seeking long-duration level-premium coverage of 20–40 years with conversion rights"},{"fit":"not_best_suited","scenario":"Applicants needing guaranteed approval or coverage immediately after a recent stroke"},{"fit":"not_best_suited","scenario":"Applicants whose stroke occurred within roughly 6 to 12 months, who typically face postponement (, , -3)"},{"fit":"not_best_suited","scenario":"Hemorrhagic stroke survivors, who typically face 12 months or longer postponement before consideration (-4)"},{"fit":"not_best_suited","scenario":"Applicants with significant residual impairment, recurrent cerebrovascular events, unresolved cause, or multiple uncontrolled cardiovascular risk factors"}],"citations":{"source_mix":{"company_owned":19,"independent":28,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":38,"partial":8},"total_sources":47,"unique_domain_count":30},"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":["google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a Stroke","subject":"Legal & General America","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Legal & General America","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Legal & General America","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","grok","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Legal & General America","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Legal & General America","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Legal & General America","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-stroke/legal-general-america.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-stroke/legal-general-america","report_type":"fit_review","study_id":"LICI-STUDY-20589C1F455C","title":"Legal & General America 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.","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":"2026-09-23 07:24:27.722822+00","research_date":"2026-09-22","source_snapshot_sha256":"bd046be51152c8247fd54057c98550d566912775fb7223119059cf6f3e8a5be2","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Legal & General America is a mixed fit for Life Insurance After a Stroke. Two of seven platforms named it during the ranking stage, and it ranked first on Perplexity and second on Google. Its strongest advantage is impaired-risk pricing: substandard table ratings are calculated from Standard Plus rates rather than Standard rates, which can lower premiums for rated applicants (, -5). The main limitation is that stroke-specific U.S. underwriting rules, postponement periods, and post-stroke premiums are not publicly disclosed, and a stroke history disqualifies applicants from accelerated…","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"}}