{"citations":{"source_mix":{"company_owned":16,"independent":34,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":41,"partial":11},"total_sources":52,"unique_domain_count":31},"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":"Physicians Mutual","unit":"rank","value":7},{"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":"Physicians Mutual","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Physicians Mutual","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Physicians Mutual","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Physicians Mutual","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.25,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Physicians Mutual","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/physicians-mutual.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-copd/physicians-mutual","report_type":"fit_review","study_id":"LICI-STUDY-2E1F8F0114A7","title":"Physicians Mutual 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.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","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 08:45:29.665304+00","research_date":"2026-09-22","source_snapshot_sha256":"6d3e70f9ab838997455759824599f336d11102820d333c41271deea032426c0e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Physicians Mutual is a good but narrowly targeted fit for a U.S. consumer with COPD who mainly needs modest final-expense or legacy coverage and wants to avoid medical underwriting. Four of seven platforms named Physicians Mutual during the ranking stage, and its guaranteed-issue Modified Whole Life policy removes COPD from the acceptance decision for eligible ages. The strongest reason to consider it is guaranteed acceptance with no health questions or medical exam. The main limitation is that coverage is small, the first two years pay a graded benefit for non-accidental death, and Secure…","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"}}