{"citations":{"source_mix":{"company_owned":21,"independent":20,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":31,"partial":9},"total_sources":41,"unique_domain_count":18},"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","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cigar Smokers","subject":"North American Company","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"North American Company","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"North American Company","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"North American Company","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.666666666666667,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"North American Company","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/north-american-company.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigar-smokers/north-american-company","report_type":"fit_review","study_id":"LICI-STUDY-AF1C57064C01","title":"North American Company 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 10:11:49.479654+00","research_date":"2026-09-22","source_snapshot_sha256":"2c155f47fb85f4777198a349f2f035703cbc6939d0fab52018f79afd7d66ea3c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"North American Company is a good fit for occasional cigar smokers who disclose their use, use no other nicotine products, and can produce a nicotine-negative urine test. Three of the seven platforms named North American during the ranking stage, with an average listed rank of 7.7 and a best rank of 6. The strongest reason to consider it is that North American's own underwriting guidelines expressly allow limited cigar use in non-tobacco classes. The main limitation is that the published cigar allowance varies by underwriting class — up to 24 cigars per year in one non-tobacco category and up…","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"}}