{"citations":{"source_mix":{"company_owned":26,"independent":23,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":42,"partial":7},"total_sources":49,"unique_domain_count":24},"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":"Nationwide","unit":"rank","value":7},{"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":"Nationwide","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Nationwide","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Nationwide","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.2,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Nationwide","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/nationwide.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigarette-smokers/nationwide","report_type":"fit_review","study_id":"LICI-STUDY-8F664B333D7C","title":"Nationwide 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 10:09:56.452489+00","research_date":"2026-09-22","source_snapshot_sha256":"660bc98385cb75a412670140d4bb3ca987f83d83f46c65bf7b0526b862b524ce","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Nationwide is a mixed fit for a current cigarette smoker. Five of the seven platforms in this study named Nationwide during the ranking stage, at an average listed rank of 7.2 and a best listed rank of 3. The strongest reason to consider it is a conventional term product with fixed level premiums, a conversion path to permanent coverage without new medical evidence, and living-benefit riders included on many eligible policies. The main limitation is that no reviewed public source establishes a smoker-pricing advantage, and the exact cigarette-smoker classes, surcharge schedule, and…","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"}}