{"buyer_scenarios":[{"fit":"best_suited","scenario":"Survivors of cancers with 85%+ five-year survival — thyroid, melanoma, testicular, Hodgkin's lymphoma — most likely to qualify for standard or near-standard rates after sufficient remission (anthropic:source10)"},{"fit":"best_suited","scenario":"Early-stage survivors treated with surgery only (anthropic)"},{"fit":"best_suited","scenario":"Survivors 2–5 years post-treatment with lower-risk histories (, kimi:mg-2026-cancer)"},{"fit":"best_suited","scenario":"Applicants seeking 10- to 40-year term coverage with conversion flexibility (openai, anthropic:source2)"},{"fit":"not_best_suited","scenario":"Applicants with recent treatment, recurrence, metastatic disease, ongoing treatment, unexplained symptoms, or incomplete medical records (openai, , google:banneruwguide)"},{"fit":"not_best_suited","scenario":"Applicants whose cancer was diagnosed or treated within the last 12 months, which Banner's field guide flags as a possible decline (, google:banneruwguide)"},{"fit":"not_best_suited","scenario":"Survivors with multiple primary cancers or a recurrence history (, google:banneruwguide, anthropic:source9)"},{"fit":"not_best_suited","scenario":"Survivors of lung, pancreatic, or brain cancer, which are described as most likely to receive a table rating, postponement, or denial (anthropic:source10, anthropic:source9)"}],"citations":{"source_mix":{"company_owned":16,"independent":15,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":5},"total_sources":31,"unique_domain_count":15},"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 Cancer Survivors","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cancer Survivors","subject":"Banner Life","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Banner Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","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":"Banner Life","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Banner Life","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-cancer-survivors/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cancer-survivors/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-A61FA924A5EB","title":"Banner Life for Life Insurance for Cancer Survivors: 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 06:45:28.781497+00","research_date":"2026-09-22","source_snapshot_sha256":"549bc74997bab28e1e522967a223f38160fee0d691cf8bfdc680f86322631820","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a mixed-to-good fit for cancer survivors seeking life insurance, depending on remission status and cancer type. Five of seven platforms named Banner Life during ranking discovery, with an average listed rank of 2.2 and a best rank of 1. The strongest reason to consider it is Banner OPTerm's combination of 10–40 year level term coverage, conversion to permanent coverage without new medical underwriting, and a Standard Plus base rate class that independent reviewers describe as more forgiving than competitors' Standard class for health-impaired applicants. The main limitation is…","target_buyer":"A consumer previously received treatment for cancer and now wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may vary substantially based on cancer type","stage","grade","treatment","recurrence history","time since treatment ended","current follow-up","age","and overall health."],"geography":"United States","slug":"best-life-insurance-for-cancer-survivors","title":"Best Life Insurance for Cancer Survivors","use_case":"Life Insurance for Cancer Survivors"}}