{"citations":{"source_mix":{"company_owned":18,"independent":22,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":5},"total_sources":40,"unique_domain_count":19},"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 Depression","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Depression","subject":"Banner Life","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Banner Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","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":"Banner Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.7142857142857142,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Banner Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-0B7FBAF5C1A5","title":"Banner Life for Life Insurance for Depression: 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 09:13:06.968495+00","research_date":"2026-09-22","source_snapshot_sha256":"6fd57530fb79f274a4a4f8029dd79b41622af9d588340ce25f53ab796c7a33ef","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a good, but not universally strong, fit for life insurance when the applicant has a history of depression. All seven AI platforms that named carriers in the ranking stage included Banner Life, and it finished with an average listed rank of 1.71 and a best rank of 1. Its strongest advantage is published underwriting guidance that expressly contemplates well-controlled depression, including Preferred-class consideration for stable single-medication cases and accelerated no-exam pathways. The main limitation is that Banner does not publish a complete depression decision matrix,…","target_buyer":"A consumer with a history of depression wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may consider severity","treatment","medications","current stability","hospitalizations","time away from work","history of self-harm or suicidal behavior where applicable","and other mental and physical health factors."],"geography":"United States","slug":"best-life-insurance-for-depression","title":"Best Life Insurance for Depression","use_case":"Life Insurance for Depression"}}