{"buyer_scenarios":[{"fit":"best_suited","scenario":"A cigar smoker seeking simplified underwriting and modest permanent coverage, especially Living Promise Level Benefit (openai)."},{"fit":"best_suited","scenario":"An occasional cigar user willing to disclose frequency and accept carrier-specific underwriting (openai)."},{"fit":"best_suited","scenario":"Applicants seeking term coverage who can undergo medical and lifestyle underwriting and want tobacco and nontobacco classes considered (openai)."},{"fit":"best_suited","scenario":"Occasional cigar smokers (reported as up to 12–24 per year) who can test negative for nicotine or cotinine (google)."},{"fit":"not_best_suited","scenario":"Buyers needing large permanent death benefits through Living Promise, because its published face amounts are limited (openai)."},{"fit":"not_best_suited","scenario":"Buyers seeking a guaranteed nontobacco or Preferred-Best classification solely because they do not smoke cigarettes (openai)."},{"fit":"not_best_suited","scenario":"Frequent cigar smokers (reported as 13 or more cigars per year) seeking nontobacco rates, who will likely be classified as tobacco users (anthropic)."},{"fit":"not_best_suited","scenario":"Buyers who refuse nicotine testing, since a negative urinalysis is required for occasional cigar users to qualify for nontobacco rates (anthropic)."}],"citations":{"source_mix":{"company_owned":19,"independent":26,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":10},"total_sources":48,"unique_domain_count":20},"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","deepseek","google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cigar Smokers","subject":"Mutual of Omaha","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mutual of Omaha","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Mutual of Omaha","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.4,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Mutual of Omaha","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigar-smokers/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigar-smokers/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-C442A6BA865D","title":"Mutual of Omaha 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.","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 10:06:43.976293+00","research_date":"2026-09-22","source_snapshot_sha256":"9fbb5937508e90c4daea99831d6177830cc801ab1a26825f8255b1cb8c557b56","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a good, but not conclusively best, fit for a cigar smoker who does not regularly smoke cigarettes. Five of seven platforms named it during the ranking stage, with an average listed rank of 7.4 and a best rank of 6. Its strongest advantage is published underwriting guidance indicating that occasional cigar use may qualify for nontobacco rates on some products, particularly fully underwritten term coverage with a negative nicotine test. The main limitation is that Mutual of Omaha's simplified-issue products, including Living Promise, generally treat any tobacco or nicotine…","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"}}