{"citations":{"source_mix":{"company_owned":12,"independent":27,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":6},"total_sources":39,"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","grok","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Depression","subject":"Pacific Life","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","grok","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Pacific Life","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.8,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Pacific Life","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-F4EF85E2B315","title":"Pacific 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.","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 09:17:18.374695+00","research_date":"2026-09-22","source_snapshot_sha256":"7d3e3fcc98034edaf0d6a14e2d204ddd8437750f1e0dbe2ab67018bff5719a0f","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a mixed-to-good fit for a consumer with a history of depression. Five of the seven platforms in this study named Pacific Life during the ranking stage — a 71% share — with an average listed rank of 4.8 and a best rank of 3. The strongest reason to consider it is PL Promise Term's combination of accelerated underwriting advertised up to $3 million for ages 18–60 and conversion to universal life without new underwriting. The main limitation is that Pacific Life does not publish depression-specific underwriting criteria, so approval odds, rate class, and premium for any…","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"}}