{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants with mild-to-moderate depression that is treated and stable on consistent medication (anthropic, )."},{"fit":"best_suited","scenario":"Applicants with moderate-to-severe depression seeking a better health classification than typical carriers offer (-10, )."},{"fit":"best_suited","scenario":"Applicants with depression plus comorbid physical or additional mental health conditions seeking flexible underwriting (-11, )."},{"fit":"best_suited","scenario":"Buyers needing substantial coverage — one platform cited capacity above $1 million and up to $10 million or more (, -10)."},{"fit":"not_best_suited","scenario":"Applicants who need guaranteed-issue or simplified-issue coverage with minimal health questions (openai, anthropic, perplexity)."},{"fit":"not_best_suited","scenario":"Applicants with recent severe depression, recent psychiatric hospitalization, or recent suicidal behavior. One platform cited industry guidance that most carriers decline for two to five years after a suicide attempt,…"},{"fit":"not_best_suited","scenario":"Applicants who need immediate coverage without medical underwriting or a phone interview (anthropic)."},{"fit":"not_best_suited","scenario":"Applicants who want to buy a policy fully online without agent involvement (-6)."}],"citations":{"source_mix":{"company_owned":18,"independent":24,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":34,"partial":6},"total_sources":42,"unique_domain_count":29},"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":"Prudential","unit":"rank","value":1},{"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":"Prudential","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Prudential","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Prudential","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Prudential","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.5714285714285714,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Prudential","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/prudential.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/prudential","report_type":"fit_review","study_id":"LICI-STUDY-E1C5F6CA348D","title":"Prudential 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 09:10:08.435205+00","research_date":"2026-09-22","source_snapshot_sha256":"67558ce5f6d153ef4ac0537329e8483f1b637ff0b722ce18c36fabd4d5701b5c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Prudential is a good, but not guaranteed, fit for a U.S. consumer with a history of depression who can qualify through traditional medical underwriting. All seven AI platforms named Prudential during the ranking stage — a 100% mention rate — and it finished first overall with an average listed rank of 1.57. The strongest reason to consider it is that multiple independent reviews describe Prudential as more flexible than peers for moderate-to-severe depression and multiple mental health conditions (-10, -11, ). The main limitation is that Prudential publishes no depression-specific…","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"}}