{"citations":{"source_mix":{"company_owned":10,"independent":31,"unclear":6},"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 for Bipolar Disorder","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Bipolar Disorder","subject":"John Hancock Financial","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock Financial","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock Financial","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock Financial","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"John Hancock Financial","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"John Hancock Financial","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-bipolar-disorder/john-hancock-financial.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-bipolar-disorder/john-hancock-financial","report_type":"fit_review","study_id":"LICI-STUDY-E89177CB9223","title":"John Hancock Financial 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.","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 09:33:41.479457+00","research_date":"2026-09-22","source_snapshot_sha256":"4dda626d523ae10f89f41e9129d44c1443d3f3b5e0e03815f76959461eb498de","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock Financial is a mixed fit for life insurance with bipolar disorder. Three of seven platforms named it during ranking discovery — a 43% share — at an average listed rank of 5.0 and a best rank of 4. The strongest reason to consider it is that independent sources describe John Hancock as comparatively lenient on mental-health underwriting, and its Vitality program can reduce premiums by up to 25% for qualifying healthy behaviors. The main limitation is that John Hancock publishes no bipolar-specific underwriting rules, and one platform-reported underwriting guide says severe,…","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"}}