{"citations":{"source_mix":{"company_owned":24,"independent":27,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":43,"partial":8},"total_sources":51,"unique_domain_count":24},"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 Being Declined","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After Being Declined","subject":"Banner Life","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","openai"],"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":["anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Banner Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":7,"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-being-declined/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-being-declined/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-7196D06532B7","title":"Banner Life for Life Insurance After Being Declined: 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":"2026-09-22 12:17:47.969996+00","research_date":"2026-09-22","source_snapshot_sha256":"3dbc1e0910ca4ac804403db1928813ad9cb8e7cacc80cb65534408f1f39f7be4","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a mixed-to-good fit for a consumer who was previously declined for life insurance, but only through a broker-led, fully underwritten OPTerm application — not as a guaranteed-issue solution. Three of seven platforms named Banner Life during the ranking stage (43% of included platform responses), at an average listed rank of 5.0 and a best listed rank of 3. The strongest reason to consider it is its stated philosophy of underwriting individuals rather than impairments, plus long term lengths and a conversion option. The main limitation: Banner will not reconsider outright…","target_buyer":"A consumer previously applied for life insurance and was declined by another carrier.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They want to understand which insurers may be worth considering for a new application","recognizing that the reason for the previous decline","current health","medical history","lifestyle","age","and time since the decline can materially affect available options."],"geography":"United States","slug":"best-life-insurance-after-being-declined","title":"Best Life Insurance After Being Declined","use_case":"Life Insurance After Being Declined"}}