{"citations":{"source_mix":{"company_owned":22,"independent":27,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":9},"total_sources":49,"unique_domain_count":28},"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"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Depression","subject":"Mutual of Omaha","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mutual of Omaha","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Mutual of Omaha","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-60F01FF0A550","title":"Mutual of Omaha 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.","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 09:22:17.314309+00","research_date":"2026-09-22","source_snapshot_sha256":"7127f1076db83c910603584cc0461d3e08888c8001bdaa8dad95bfb678bf25d7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a mixed-to-good fit for life insurance with a history of depression. Three of the seven platforms in this study named it during the ranking stage, and those three placed it between fourth and sixth. Its strongest advantage is a genuine two-track structure: simplified-issue Term Life Express for stable, treated depression, and Guaranteed Whole Life with no health questions for applicants age 45–85 who cannot qualify medically. The main limitation is that Mutual of Omaha publishes no depression-specific underwriting grid, so no applicant can predict approval, rate class, or…","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"}}