{"citations":{"source_mix":{"company_owned":11,"independent":24,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":31,"partial":5},"total_sources":36,"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":["grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance After Being Declined","subject":"Royal Neighbors of America","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Royal Neighbors of America","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Royal Neighbors of America","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Royal Neighbors of America","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Royal Neighbors of America","unit":"platforms","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Royal Neighbors of America","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Royal Neighbors of 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-being-declined/royal-neighbors-of-america.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-after-being-declined/royal-neighbors-of-america","report_type":"fit_review","study_id":"LICI-STUDY-6052845CEBC7","title":"Royal Neighbors of America 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 12:18:57.396784+00","research_date":"2026-09-22","source_snapshot_sha256":"3bcd29722ba27a08622da4f40af5c18c506618eac68ba601908ae5fbb6dac15a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Royal Neighbors of America is a mixed-to-good fit for a consumer previously declined for life insurance, but only for modest permanent final-expense coverage. Two of the seven platforms that evaluated fit named Royal Neighbors during the ranking stage — grok and kimi — and both placed it at rank 2, giving it an average listed rank of 2.0 and a 28.6% share of included platform responses. The strongest reason to consider it is the Ensured Legacy Final Expense suite, which explicitly targets previously declined applicants and offers simplified issue, graded death benefit, and guaranteed issue…","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"}}