{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants with mild to moderate, well-controlled depression on zero or one standard antidepressant, with 12 or more months of treatment stability and consistent employment (kimi, grok, google)."},{"fit":"best_suited","scenario":"Consumers seeking traditionally underwritten term coverage with possible conversion to permanent insurance (openai, anthropic)."},{"fit":"best_suited","scenario":"Buyers who want both level term and a permanent option from one carrier (deepseek, perplexity)."},{"fit":"best_suited","scenario":"Applicants willing to work through an agent or broker and provide medical-history details for individualized underwriting (openai)."},{"fit":"not_best_suited","scenario":"Applicants needing guaranteed-issue or no-medical-exam coverage; Protective requires traditional underwriting (openai, anthropic)."},{"fit":"not_best_suited","scenario":"Applicants with recent severe symptoms, hospitalization, inability to work, multiple psychiatric medications, or recent self-harm or suicidal behavior (openai, anthropic, kimi)."},{"fit":"not_best_suited","scenario":"Applicants with a recent depression diagnosis within 6–12 months without demonstrable stability (anthropic)."},{"fit":"not_best_suited","scenario":"Those with multiple psychiatric hospitalizations or a recent hospitalization (anthropic, kimi)."}],"citations":{"source_mix":{"company_owned":18,"independent":21,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":10},"total_sources":40,"unique_domain_count":24},"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":["deepseek","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Depression","subject":"Protective","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Protective","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.333333333333333,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Protective","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/protective.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/protective","report_type":"fit_review","study_id":"LICI-STUDY-BC46BD1D34CE","title":"Protective 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 09:26:48.147738+00","research_date":"2026-09-22","source_snapshot_sha256":"32306fc78968efc9a895af749f52b118a54c7aa0cd10b7a5022c9f8218a64782","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective is a good—but not definitively best—fit for a consumer with a history of depression. Three of seven platforms named Protective during the ranking stage (deepseek, grok, kimi), a 42.9% share of included platform responses, at an average listed rank of 7.3 and a best rank of 4. The strongest reason to consider it: independent underwriting data reported by Policygenius indicates applicants with controlled depression or anxiety on limited medication may qualify for Preferred Plus or Preferred rate classes, and Protective's own materials state mild depression may reach best class . The…","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"}}