{"buyer_scenarios":[{"fit":"best_suited","scenario":"Occasional cigar smokers who will disclose use and want a case-specific underwriting decision rather than a published rule (openai, anthropic)."},{"fit":"best_suited","scenario":"Cigar smokers who also use pipes or chewing tobacco and want a single carrier that separates those from cigarettes (-1)."},{"fit":"best_suited","scenario":"Buyers who value wellness-linked premium savings and will actively participate in Vitality (, -4)."},{"fit":"best_suited","scenario":"Applicants who want conversion optionality to permanent coverage without requalification based on original health class (-2)."},{"fit":"not_best_suited","scenario":"Buyers who need publicly documented, guaranteed non-tobacco treatment for occasional cigar use before applying (openai)."},{"fit":"not_best_suited","scenario":"Price-sensitive buyers. One third-party comparison placed John Hancock above five named competitors for identical coverage (kimi:lifestein-occasional-cigar-rates), and one platform reported term rates higher than many…"},{"fit":"not_best_suited","scenario":"Applicants who want whole life insurance, which John Hancock does not offer (-10)."},{"fit":"not_best_suited","scenario":"Buyers who want instant online quotes without agent involvement (anthropic, deepseek)."}],"citations":{"source_mix":{"company_owned":13,"independent":30,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":37,"partial":7},"total_sources":45,"unique_domain_count":23},"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 Cigar Smokers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cigar Smokers","subject":"John Hancock","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"John Hancock","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"John Hancock","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.666666666666667,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"John Hancock","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigar-smokers/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigar-smokers/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-CAE8316B2DFD","title":"John Hancock for Life Insurance for Cigar Smokers: 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 10:11:18.323804+00","research_date":"2026-09-22","source_snapshot_sha256":"7de6b586811bc5cfe42c3feb39c37d61970a4cda5dd821600d855845da23f17c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a mixed-to-good fit for a cigar smoker who does not regularly smoke cigarettes. Three of seven platforms named John Hancock during the ranking stage, and all seven evaluated it at the fit stage, where ratings ranged from \"strong\" (google) to \"uncertain\" (deepseek). The strongest reason to consider it: multiple independent underwriting guides and one platform's research indicate John Hancock may extend non-tobacco or Standard Non-Smoker rates to occasional cigar users, and may tolerate a positive nicotine test for cigar-only users (-1, ). The main limitation: John Hancock's…","target_buyer":"A consumer smokes cigars but does not regularly smoke cigarettes and wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that carriers may treat occasional and frequent cigar use differently and may have different definitions of tobacco or nicotine use."],"geography":"United States","slug":"best-life-insurance-for-cigar-smokers","title":"Best Life Insurance for Cigar Smokers","use_case":"Life Insurance for Cigar Smokers"}}