{"citations":{"source_mix":{"company_owned":18,"independent":29,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":37,"partial":10},"total_sources":47,"unique_domain_count":27},"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","deepseek","google","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After Being Declined","subject":"Mutual of Omaha","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","openai","perplexity"],"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":["anthropic","deepseek","grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Mutual of Omaha","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mutual of Omaha","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"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-being-declined/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-being-declined/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-992649B5B514","title":"Mutual of Omaha 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.","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 12:07:59.297604+00","research_date":"2026-09-22","source_snapshot_sha256":"e3cd8e5a07eb5abd4826b310931d0c6ab82b9f1e40bca584722587b8692fa977","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a good — not universally best — fit for Life Insurance After Being Declined. Five of the seven platforms in this study named it during the ranking stage, and it finished first overall. Its strongest use case is guaranteed-issue whole life for applicants roughly 45–85 who cannot pass health questions, plus simplified-issue term for those who can. The main limitation is size: guaranteed-issue coverage is generally capped around $25,000, and the first two years pay a limited benefit for natural death. Healthier or younger declined applicants should price simplified-issue or…","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"}}