{"citations":{"source_mix":{"company_owned":13,"independent":14,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":15,"partial":8},"total_sources":31,"unique_domain_count":15},"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","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cigarette Smokers","subject":"Guardian Life","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Guardian Life","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Guardian Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guardian Life","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Guardian Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Guardian Life","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigarette-smokers/guardian-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigarette-smokers/guardian-life","report_type":"fit_review","study_id":"LICI-STUDY-C760057147FE","title":"Guardian Life 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.","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 10:02:10.421291+00","research_date":"2026-09-22","source_snapshot_sha256":"717a92a9aa59d51a6a1d599452e976daa122c0a24e5de290ad0bfefa6a299248","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Guardian Life is a mixed-to-good fit for a current cigarette smoker who wants conventional level-term coverage, level premiums, and a conversion path to permanent insurance. Five of seven platforms named Guardian during the ranking stage, with an average listed rank of 4.0 and a best rank of 1. The strongest reason to consider it is its combination of explicit tobacco underwriting, published smoker rate examples, and a term conversion feature that does not require a new medical exam. The main limitation is that Guardian does not publish individualized smoker premiums, tobacco sub-classes, or…","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"}}