{"citations":{"source_mix":{"company_owned":14,"independent":16,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":6},"total_sources":33,"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":["deepseek","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cigar Smokers","subject":"Pacific Life","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Pacific Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.666666666666667,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Pacific Life","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/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigar-smokers/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-0AA19294F671","title":"Pacific Life 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.","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 10:08:51.767492+00","research_date":"2026-09-22","source_snapshot_sha256":"ef2ef546420a1a4d5204210ad32e471e186be9e5667a15f6f32d27ee521ffee1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a good fit for occasional cigar smokers who have not used cigarettes in the past five years and can pass a negative cotinine test. Three of seven platforms named Pacific Life during the ranking stage, and all seven platforms that evaluated fit rated it good or strong. The strongest reason to consider it: Pacific Life's published underwriting guide states that occasional cigar or pipe use may qualify for non-tobacco rates, and independent sources describe a roughly 12-cigars-per-year allowance (openai:pacificlifeunderwritingguide, anthropic:citation3, ). The main limitation is…","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"}}