{"citations":{"source_mix":{"company_owned":21,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":7},"total_sources":42,"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 Cigarette Smokers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Cigarette Smokers","subject":"Protective Life","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Protective Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Protective Life","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigarette-smokers/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigarette-smokers/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-CD79F6A1EA1A","title":"Protective 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.","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 10:09:33.963949+00","research_date":"2026-09-22","source_snapshot_sha256":"2851e9471b6be4b2bea13d4f35a4fb9cde2cbf59a3648877d86737e2a558a5cb","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a good — not proven best — fit for a current cigarette smoker seeking medically underwritten term life insurance. Four of seven platforms named Protective Life during the ranking stage (57% of included platform responses), at an average listed rank of 4.5 and a best rank of 3. The strongest reason to consider it is that Protective Classic Choice Term explicitly lists a Tobacco underwriting class and offers 25- and 30-year terms with a conversion privilege. The main limitation is that no verified public smoker-specific premium exists, so price competitiveness cannot be…","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"}}