{"citations":{"source_mix":{"company_owned":20,"independent":29,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":39,"partial":13},"total_sources":52,"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":["deepseek","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cigarette Smokers","subject":"Mutual of Omaha","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Mutual of Omaha","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":5}],"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":6,"name":"Mutual of Omaha","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/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigarette-smokers/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-F18A8298CC2B","title":"Mutual of Omaha 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.","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 10:05:23.640467+00","research_date":"2026-09-22","source_snapshot_sha256":"9e988cf2fd2ddcf29fe37b94ac9646af0041a18a5dbcbb69453f76bb5684972e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a good fit for cigarette smokers who need simplified-issue final-expense whole life or moderate simplified-issue term coverage and can accept tobacco-rated premiums. Five of seven platforms named it during the ranking stage (71.4% of included platform responses), with an average listed rank of 5.0 and a best listed rank of 4. The strongest reason to consider it is its explicit tobacco classes on Living Promise and Term Life Express, which let many current smokers qualify without a full medical exam. The main limitation is that Mutual of Omaha does not establish itself as…","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"}}