{"citations":{"source_mix":{"company_owned":13,"independent":31,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":6},"total_sources":44,"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 Cigarette Smokers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cigarette Smokers","subject":"Banner Life Insurance Company","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life Insurance Company","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Banner Life Insurance Company","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life Insurance Company","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Banner Life Insurance Company","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigarette-smokers/banner-life-insurance-company.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigarette-smokers/banner-life-insurance-company","report_type":"fit_review","study_id":"LICI-STUDY-E983A7E5F3E7","title":"Banner Life Insurance Company for Life Insurance for Cigarette 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 09:58:24.650492+00","research_date":"2026-09-22","source_snapshot_sha256":"d63718cb480d2d5bd12f1e84dd389713381b374e6b7f96d2546e74584f824946","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner life insurance Company is a good fit for a cigarette smoker who wants fully underwritten term life insurance and is willing to complete medical underwriting. Six of seven platforms named Banner during the ranking stage, and its OPTerm product is repeatedly described as competitive within tobacco classes. The strongest reason to consider it is explicit Preferred Tobacco and Standard Tobacco underwriting classes plus 10- to 40-year level terms. The main limitation is that no verified smoker-specific premium is publicly available, so Banner should be treated as a quote-comparison…","target_buyer":"A consumer currently smokes cigarettes and wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that tobacco use can materially increase premiums and that insurers may classify smoking differently based on frequency","duration","age","other health factors","and the carrier's underwriting guidelines."],"geography":"United States","slug":"best-life-insurance-for-cigarette-smokers","title":"Best Life Insurance for Cigarette Smokers","use_case":"Life Insurance for Cigarette Smokers"}}