{"buyer_scenarios":[{"fit":"best_suited","scenario":"Survivors whose treatment ended more than one year ago and whose records support standard or better underwriting consideration ."},{"fit":"best_suited","scenario":"Applicants ages 18–60 seeking up to $3 million of PL Promise Term coverage who may qualify for the accelerated pathway (anthropic:source-1-moneygeek-2026, , )."},{"fit":"best_suited","scenario":"Survivors of minor skin cancers such as basal or squamous cell carcinoma, who Google reports can access Preferred Best rates without restriction (google:paclifeunderwritingguide)."},{"fit":"best_suited","scenario":"Buyers who value a conversion option to permanent coverage without new underwriting (anthropic:source-21-plpromise-term)."},{"fit":"not_best_suited","scenario":"People currently receiving chemotherapy or radiation, or whose treatment ended within the prior year. Google reports an automatic decline in this window (google:paclifeunderwritingguide, google:lovettfinancialguide, )."},{"fit":"not_best_suited","scenario":"Applicants needing guaranteed acceptance or a clearly published cancer-specific underwriting rule. Pacific Life does not appear to offer guaranteed-issue or final expense products (anthropic:source-12-moneygeek,…"},{"fit":"not_best_suited","scenario":"Survivors over age 60 who want to avoid a medical exam, because the accelerated pathway caps at 60 (anthropic:source-1-moneygeek-2026, kimi:moneygeek-1)."},{"fit":"not_best_suited","scenario":"Buyers who want a fully online quote and application process (anthropic:source-22-usnews, anthropic:source-28-ethos)."}],"citations":{"source_mix":{"company_owned":17,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":3},"total_sources":30,"unique_domain_count":18},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-22","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","deepseek","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cancer Survivors","subject":"Pacific Life","unit":"rank","value":3},{"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":"Pacific Life","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.1666666666666665,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Pacific Life","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-cancer-survivors/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cancer-survivors/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-4E695C8A575D","title":"Pacific 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.","6 of 7 included platforms returned a usable fit assessment; disclose this as a methodology limitation and do not describe the fit findings as unanimous, 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.","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_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 06:54:21.157277+00","research_date":"2026-09-22","source_snapshot_sha256":"0f59a43d310d612f4ac58ed14a15142c6aae5743e2f3c7c723ced277e90a9856","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a mixed fit for U.S. cancer survivors seeking life insurance. Six of the seven platforms in this study named Pacific Life during the ranking stage, and all six returned a usable fit assessment. The strongest reason to consider it is the PL Promise Term product paired with the PAL+ underwriting program, which can route eligible applicants through a no-exam accelerated pathway with up to $3 million of coverage for ages 18–60. The main limitation is that Pacific Life does not publish cancer-specific underwriting rules, and its own guide indicates most cancers require…","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"}}