{"citations":{"source_mix":{"company_owned":19,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":3},"total_sources":40,"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","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cigar Smokers","subject":"Protective Life","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Protective Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Protective Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Protective 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-cigar-smokers/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigar-smokers/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-5A3AD0D58921","title":"Protective 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.","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 10:05:09.122189+00","research_date":"2026-09-22","source_snapshot_sha256":"adab7e77bb427167df34216747b6598474be593459d1b3137784a74fc13e6a13","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a good, but not definitive, fit for a cigar smoker seeking life insurance. Six of seven platforms named it during the ranking stage, and its strongest advantage is documented tolerance for limited \"celebratory\" cigar use under favorable underwriting classes, with published thresholds of up to 12 cigars in the prior 12 months for Select Preferred and up to 24 for Preferred when use is disclosed and the urine nicotine specimen is negative . The main limitation is that favorable classification is conditional, not guaranteed: it depends on disclosure, negative 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"}}