{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants age 45 to 85 who need guaranteed acceptance and approximately $2,000 to $25,000 for final expenses, subject to state variations ."},{"fit":"best_suited","scenario":"Applicants whose stroke history may prevent approval by fully underwritten carriers but who can accept a graded or limited early death benefit ."},{"fit":"best_suited","scenario":"Applicants with an older, stable stroke history and limited residual impairment who want to test simplified-issue or traditionally underwritten options before using guaranteed issue ."},{"fit":"best_suited","scenario":"Stroke survivors 2 to 5 or more years post-event with stable recovery and well-controlled cardiovascular health (-7, -5, -6, -7)."},{"fit":"not_best_suited","scenario":"Applicants who need the full death benefit immediately for non-accidental death and cannot accept a two-year limited-benefit period ."},{"fit":"not_best_suited","scenario":"Applicants healthy enough to qualify for competitively priced fully underwritten term or permanent coverage from another carrier (, -8)."},{"fit":"not_best_suited","scenario":"Applicants with multiple strokes or severe residual impairments, who may fail Living Promise health questions and be forced into guaranteed issue at higher cost (-2, -7)."},{"fit":"not_best_suited","scenario":"Anyone under age 45, since whole life products start at 45 (-2, -4)."}],"citations":{"source_mix":{"company_owned":13,"independent":29,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":8},"total_sources":45,"unique_domain_count":28},"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","deepseek","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After a Stroke","subject":"Mutual of Omaha","unit":"rank","value":2},{"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":"Mutual of Omaha","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mutual of Omaha","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.4,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Mutual of Omaha","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-stroke/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-stroke/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-D13CE3C8C230","title":"Mutual of Omaha 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 07:13:09.041423+00","research_date":"2026-09-22","source_snapshot_sha256":"ac573c4194719076c3c9ee1d3a1dac8339749c97d32e38f01d36707d3662581f","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a good, but not universally best, fit for Life Insurance After a Stroke. Five of seven platforms named it during the ranking stage, with an average listed rank of 4.4 and a best rank of 1. Its strongest use-case value is guaranteed-issue whole life for a stroke survivor who has been declined or expects difficulty with medical underwriting and needs modest final-expense coverage. The main limitation is that coverage is small, the early death benefit is graded, and Mutual of Omaha does not publish a complete current stroke-specific underwriting rule, so a personalized…","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"}}