{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants seeking term coverage with a face amount of at least $100,000, the published minimum ."},{"fit":"best_suited","scenario":"Applicants willing to undergo traditional underwriting, including a paramedical exam and possible medical-record review (, -13, -10)."},{"fit":"best_suited","scenario":"Applicants whose seizure disorder is well documented, medically managed, and stable enough for an underwriter to evaluate (, -4, -5)."},{"fit":"best_suited","scenario":"Applicants with a long seizure-free history on stable medication, which some platforms associated with standard or mild table ratings (, kimi:planwithphil-2, )."},{"fit":"not_best_suited","scenario":"Applicants with recent, frequent, unexplained, or poorly documented seizures who need a carrier known to publish condition-specific underwriting guidance (, -1, )."},{"fit":"not_best_suited","scenario":"Applicants with uncontrolled or recent-onset seizure disorders, described by anthropic as less than 3–6 months seizure-free and by kimi as under 1–2 years (-1, kimi:planwithphil-2)."},{"fit":"not_best_suited","scenario":"Applicants who need rapid approval without a medical exam, because epilepsy and seizures can block Protective's accelerated underwriting path ."},{"fit":"not_best_suited","scenario":"Applicants seeking the lowest possible premium without comparing several carriers' offers and final rate classes (, -1)."}],"citations":{"source_mix":{"company_owned":22,"independent":21,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":11},"total_sources":45,"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 Epilepsy and Seizure Disorders","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Epilepsy and Seizure Disorders","subject":"Protective Life","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Protective Life","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Protective Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Protective Life","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-epilepsy-and-seizure-disorders/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-epilepsy-and-seizure-disorders/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-2D66C2328A83","title":"Protective Life for Life Insurance for Epilepsy and Seizure Disorders: 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 08:49:46.29092+00","research_date":"2026-09-22","source_snapshot_sha256":"884c8406bf7f242e01de95f4ddd18071a7ae23f9df27f9ad2ab52c8b5c4f2258","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a mixed fit for life insurance buyers with epilepsy or seizure disorders. Three of seven platforms named it during the ranking stage, and its fit ratings split across the panel: two platforms rated it \"good,\" four rated it \"mixed,\" and one rated it \"uncertain.\" The strongest reason to consider it is Protective Classic Choice Term, a fully underwritten product that permits detailed medical review of a stable, well-documented seizure disorder, with published term lengths of 10 to 40 years and a $100,000 minimum face amount. The main limitation is that Protective publishes no…","target_buyer":"A consumer with epilepsy or another seizure disorder wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may consider seizure type","frequency","time since the most recent seizure","medications","treatment compliance","neurological evaluation","driving restrictions","and other medical factors."],"geography":"United States","slug":"best-life-insurance-for-epilepsy-and-seizure-disorders","title":"Best Life Insurance for Epilepsy and Seizure Disorders","use_case":"Life Insurance for Epilepsy and Seizure Disorders"}}