{"citations":{"source_mix":{"company_owned":18,"independent":10,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":3},"total_sources":28,"unique_domain_count":11},"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 for Bipolar Disorder","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Bipolar Disorder","subject":"Banner Life (Legal & General America)","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life (Legal & General America)","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life (Legal & General America)","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Banner Life (Legal & General America)","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Banner Life (Legal & General America)","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Banner Life (Legal & General America)","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-bipolar-disorder/banner-life-legal-general-america.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-bipolar-disorder/banner-life-legal-general-america","report_type":"fit_review","study_id":"LICI-STUDY-AC38C73635B8","title":"Banner Life (Legal & General America) for Life Insurance for Bipolar Disorder: 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 09:18:10.302721+00","research_date":"2026-09-22","source_snapshot_sha256":"f34d666139cbb37f25bcb878bfe5575c63d3ebecda96f4bde8956f5b42f690e2","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life (Legal & General America) is a good — not universal — fit for a U.S. buyer with bipolar disorder who has been stable for several years, follows treatment consistently, and can complete full medical underwriting. Six of the seven platforms named Banner Life during ranking discovery, with an average listed rank of 2.5 and a best rank of 1. The strongest reason to consider it: Banner's March 2026 underwriting field guide states that mild, well-followed, treatment-compliant bipolar disorder stable for at least five years may qualify as high as Standard Plus . The main limitation:…","target_buyer":"A consumer diagnosed with bipolar disorder wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may consider current stability","treatment","medications","hospitalization history","employment and daily functioning","substance use","history of self-harm where applicable","and consistency of medical care."],"geography":"United States","slug":"best-life-insurance-for-bipolar-disorder","title":"Best Life Insurance for Bipolar Disorder","use_case":"Life Insurance for Bipolar Disorder"}}