{"citations":{"source_mix":{"company_owned":16,"independent":30,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":34,"partial":12},"total_sources":46,"unique_domain_count":25},"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","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Depression","subject":"John Hancock","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"John Hancock","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-6E8BC435F931","title":"John Hancock 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 09:18:57.12355+00","research_date":"2026-09-22","source_snapshot_sha256":"e043de400ebe2eea0c7f17276572a2ca1447da597c7b36499dc1b5305cad0fa4","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a mixed-to-good fit for life insurance with a history of depression. Four of seven platforms named it during ranking discovery (57.1% share), at an average listed rank of 7.0 and best rank of 6. The strongest reason to consider it is the Vitality wellness program, which includes mental well-being rewards and advertised premium savings up to 25% (-11, ). The main limitation is that John Hancock publishes no depression-specific underwriting table, so no buyer can confirm from public materials whether its rate class or acceptance will beat competitors for a specific depression…","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"}}