{"citations":{"source_mix":{"company_owned":14,"independent":23,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":18,"partial":4},"total_sources":40,"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 COPD","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for COPD","subject":"Pacific Life","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Pacific Life","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Pacific 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-copd/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-copd/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-B09059609988","title":"Pacific Life for Life Insurance for COPD: 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 08:48:11.299772+00","research_date":"2026-09-22","source_snapshot_sha256":"0b8a7fd1143d91aece85cecea02961940cf6e8b72af903a8cc926dc23ffa8e92","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a mixed fit for Life Insurance for COPD. Four of the seven platforms in this study named Pacific Life during the ranking stage — a 57.1% share of included platform responses — with an average listed rank of 4.0 and a best listed rank of 3. The strongest reason to consider it is the Pacific Accelerated Life+ (PAL+) underwriting program, which routes applicants through accelerated, modified, or traditional pathways and can reach no-exam consideration up to $3 million for eligible term cases . The main limitation is that Pacific Life's underwriting guide requires an attending…","target_buyer":"A consumer diagnosed with chronic obstructive pulmonary disease wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may consider severity","pulmonary-function testing","symptoms","medications","oxygen use","smoking history","hospitalizations","and overall stability."],"geography":"United States","slug":"best-life-insurance-for-copd","title":"Best Life Insurance for COPD","use_case":"Life Insurance for COPD"}}