{"citations":{"source_mix":{"company_owned":19,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":7},"total_sources":38,"unique_domain_count":19},"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","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After Being Declined","subject":"Protective Life Insurance","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life Insurance","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life Insurance","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Protective Life Insurance","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Protective Life Insurance","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-after-being-declined/protective-life-insurance.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-being-declined/protective-life-insurance","report_type":"fit_review","study_id":"LICI-STUDY-1BCB0E1E77D5","title":"Protective Life Insurance 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.","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 12:20:36.202716+00","research_date":"2026-09-22","source_snapshot_sha256":"cf02f0050d2cd672b3a57077d8d8f5ac9453236df31c4e13d773e187c8a98d53","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective life insurance is a mixed fit for a buyer who was previously declined for life insurance. Two of the seven platforms in this study named Protective during the ranking stage, so it is a secondary mention rather than a consensus pick. Its strongest case is a younger applicant (roughly under age 50) who wants term coverage up to $1 million and may qualify for accelerated underwriting, or an applicant who can accept smaller simplified-issue term or whole-life coverage. The main limitation is that Protective publishes no guaranteed-acceptance product, still screens health questions and…","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"}}